davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Certified Solutions, Inc (NJ)

On XX/XX/XXXX, I was admitted to XXXX XXXX XXXX for a XXXX XXXX, resulting in a few stitches, nothing more. Here, they did not run my medical insurance, they did not ask me if I had insurance, or care to check records. At the time, I was so focused on my severe pain that I did not think to take out my insurance card, but then again, remembering to run my own insurance while in severe pain is NOT my responsibility as the patient. It is the hospitals sole responsibility. I assumed they had my insurance on file as I was sent home without a bill included in my discharge papers. 

Well over 3 years later, I received a bill for {$5200.00} from Certified Credit & Collection in XXXX XXXX, NJ. When I first called this collection agency in XX/XX/XXXX, I asked for an itemized bill, because I was concerned with what this was about. After all these years, I thought my insurance took care of this bill. Naturally, I asked if my insurance was ran in XXXX. This is when my account representative, XXXX, ( Possibly XXXX, they are hard to understand ) told me that my insurance was NOT ever ran by the hospital. This is the first time I became aware of this information, on XX/XX/XXXX. My account representative told me she would reach out to the hospital for notes. And ever since that conversation, I have tried to reach out to my account representative more than 6 times for said hospital notes. I was told I would receive a call back every time I reached out, and I never have. I have been following up daily and I get no feedback. 

In fact, the more that I follow up, the more angry and rude this agency becomes. This agency has used abusive language with me, today XX/XX/XXXX at XXXX, saying that " I lied '' and that " they try to call my but my phone is disconnected ''. My phone number has never been disconnected since I obtained it over 15 years ago. That is 100 % false, an intimidation tactic, and predatory. Especially because I have documentation from XXXX of incoming call logs with no call coming from them, and I have documentation from XXXX of outgoing call logs with multiple calls from me to their agency. I also have documentation from XXXX that my phone has not ever been disconnected or shut off. 

Additional from the abusive language from this agency, to my knowledge, this debt is no longer collectable and they should not be contacting me about it. It has been over 3 years without running my insurance on their end, thus a medical insurance claim can not be filed. And according to my insurance agency, this debt is the sole responsibility of the hospital now.
Consumer complaint received 2022-01-14
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. (GA)

The credit card issuer, XXXX XXXX, reported an update to my account on XXXX. Transunion is stating that they don't have any updates to my account, thus continuing to report an incorrect amount an Utilization on my credit report. Additionally, XXXX XXXX requested that a collection be deleted from my account, because it was paid in full 31 days ago. Transunion did not acknowledge my claim and that collection remains on my report. I chatted with Transunion via their site, and was told to submit a dispute. When I tried, the Transunion site would not allow me to submit an online dispute. Additionally I was not able to access my report for the past week and a half. I was told two days ago that my account needed maintenance. I was finally able to view the report today, XXXX. There was no reason give for the denied access. I also paid to view my XXXX score only on the Transunion site, however, I have not been able to gain access to it. Transunion continues to have me agree to a monthly service in order to view my score.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

My account with XXXX XXXX was closed due to inactivity. Ive had that account open with them for 4 years and have spent thousands of dollars with them. For not using my card for about 6months to a year they closed it without warning. 
I was actually in the process of purchasing furniture again when I found out they closed my account. And when I addressed the issue they stated there was nothing they could do it was a security measure.
Consumer complaint received 2024-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (OK)

See complaint XXXX My Federal Student loans were serviced by Nelnet. In XXXX of XXXX, I finished paying off my student loans. I received payment in full notice for each of my six outstanding student loans. In late XXXX my parents received a letter at their home stating that my loan was past due. As I had paid my loans in full, this was surprising. I called Nelnet and after 2 hours on the phone I was told they had made a mistake I would be placed on Administrative Forbearance. I received another past due statement a few weeks later. Checking my account, I found I had not been placed on administrative forbearance and interest was accruing on these loans I had already paid in full. Another 2 hour phone call and I was told they were just processing it and I didn't need to take any further action. It now XXXX of XXXX. There is still no forbearance on my account and the balance on loans I have paid in full is still there. Through email, I have requested written documentation of where this additional XXXX dollar balance came from. Both times I have received a canned response instructing me to call because " it is often difficult to discuss more complicated matters using email communication ''. I have paid these people. It is effecting my credit score. I was finally able to receive information over the phone that Nelnet made an error and over refunded my student loan as a part of their processes. However, I still have not received documentation in writing as to the specifics of where the additional funds are.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

I'm unable to withdraw or transfer my funds from First National Bank. After connecting my external account, my FNB account was suspended in XXXX. I've tried calling numerous times and the customer rep either has no idea what I'm talking about or will say that the IT department will contact me, and they never do.
Consumer complaint received 2022-01-26
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2015-09-25
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (OR)

I receive a mailed " offer '' of Do n't let Your Credit Limit Decrease from Home Depo. I feel this is a rather adverse action being taken towards me as I know of no wrong doing on my part. I could understand closing my account for inactivity but treatening to reduce my limit as a marketing tool to try and get me to use the card does not go over very well. I believe this company is in violation of Truth In Lending Act ( TILA ) and Equal Credit Oppertunity Act ( ECOA ) on XXXX fronts. First the " offer '' is not in an " Adverse Action '' format to include the primary reason for taking this action and if they used third party information like a credit report. Second is this action take against me imperical based on my actions or 3rd party information causing this limit decrease. I can vey much assure you I paid this account ontime for 23 months during an interest free offer when I replaced my roof. My credit has not declined as I work in the financial industry and it 's reguired of me for my position of 16-years to maintain an A+ ( XXXX or better XXXX credit score.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (IL)

Throughout XXXX, I was getting notifications via the Upgrade App that my account was past due, although I made the minimum payment. After the minimum payment was made, I continued to get notifications that my account was past due in the amount of {$2.00}, which should not have been the case but I paid it anyway. Days later, I received another notification stating my account was past due in the amount of {$2.00}, so I make another payment. Again, on XX/XX/XXXX, I received another notification stating my account was 29 days past due in the amount of {$0.00}. 

At this point I was very concerned and reached out to Upgrade support letting them know that I was concerned that my account was showing past due and I was further concerned that I would be reported as past due to the credit bureaus. I received a reply advising that these repeated notifications were due to a system glitch and assured that I would NOT be reported delinquent to the credit bureaus. 

Today, I received a notification from XXXX that my XXXX XXXX had dropped XXXX POINTS because Upgrade reported my account over 30 days delinquent in XX/XX/XXXX. This is absolutely unacceptable, inaccurate, and illegal. This error was already brought to their attention and even still I have endured serious consumer harm by way of my XXXX XXXX. I am very distraught. Please remedy immediately. Screenshots and company communication is attached here.
Consumer complaint received 2022-01-14
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. (IL)

Good evening you have recently reported that XXXX and XXXX XXXX is reporting accurately on my report but i so happen to have a letter from XXXX saying you all are reporting inaccurate information late payments .Please update to paid as agreed .If you refuse, I will like to inform to You that you are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Consumer complaint received 2022-01-26
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. (PA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-01-31
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. (FL)

I've contacted the companies reporting as well as the credit bureaus. The accounts are entirely incorrect and nothing has been resolved. The accounts haven't been investigated in timely manner per Fair Credit Reporting Act. Furthermore, I never received verification of the accounts from the company either. I have no knowledge of the accounts and they shouldn't be on my credit report.
Consumer complaint received 2024-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/XXXX and XX/XX/XXXX, I was scammed multiple times on Cash App and the app refused to refund me. The first time I was scammed on XX/XX/XXXX, a friend of mine conned me into loaning him {$1000.00} across XXXX separate payments on cash app to help him with his rent and medical bills, saying hed pay me back, but then of course he never did. I requested a refund, but due to Cash Apps policy of allowing people to decline giving a refund, of course the scammer refused. Cash App took no responsibility. 

The next day, XX/XX/XXXX, I was on the phone with Cash App support. They said they would have a specialist contact me about the situation. Call disconnects, a moment later I get a callback from someone claiming to be Cash App support. Turns out, it was clever phishing scam. Somehow the scammer knew all the details I had shared with the support line so I had no reason to think anything was amiss, and I followed the guys every direction. XXXX hour later, this scumbag tricked me into sending close to {$700.00} to him in bitcoin, using the cash app, as a dummy transaction, where that transaction would be cancelled and that money, plus my original {$1000.00}, would be refunded. I shouldve known better, but I thought Theres no way Cash App would be so callous as to allow their phone lines to be bugged by a scam call center. I was dead wrong, son. 

Of course, Cash App still refuses to refund my money. I filed a police report and disputed the charges with my bank, so I got *some* money back, but theres no guarantee Im getting all of my money back. At this point Im down almost {$2000.00}, money I worked hard and saved up for, all because scammers took advantage of my naivety and Cash App simply does not care enough to prevent fraud or protect their customers.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

I reviewed a copy of my credit report and EXPERIAN continues to report an invalid XXXX Bankruptcy on credit report. I have contacted the XXXX XXXX  Court about this matter, they have advised me they hold no record of any bankruptcy filing for me, and they do not give or furnish any information to 3rd parties like credit bureaus. I Have written to Experian directly via certified mail twice and have not received any response back. That is a violation and force to now seek the help of the CFPB. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this inaccurate reporting must be deleted immediately.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

Hello my name is XXXX XXXX XXXX, I have an account with Navy Federal Credit Union. Every month I deposit a check for the same amount of {$1200.00} from the same company into my account. It is usually released in about 2 business days. I called the credit union this morning and found out that it would not be released until XX/XX/22. I am in danger of being EVICTED from my home!!!!!!! I don't understand why I can't have these funds released. I was told that these funds are being held for " my protection '' but I am going to be homeless!!!!! That is NOT protecting me. I have deposited checks for much larger amounts and they did not have an additional 5 day hold put on them. I feel like I'm being targeted! I have not had any deposit I make into my account be returned. I begged the representative on the phone to please give me access to my funds, because I was in danger of being evicted and she had NO empathy. I understand that I am NOT valued as a customer and will start looking for other banking options as I'm sitting while I'm living in my car next week waiting for the my funds to be released.
Consumer complaint received 2022-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (GA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (TX)

Denied Dispute of Fraudulent Charges The morning of XX/XX/2023 I woke up to multiple charges on my cashapp account in small increments until my account balance was at {$0.00}. All the transactions had happened simultaneously in a matter of minutes. I instantly cancelled my debit cash card, ordered a replacement and contacted Cashapp Support as to the fraudulent transactions. I was told there was not anything they could do while the charges pending and they would likely go away. Once they were no longer pending and permanently charged to my account I called Cashapp Support and had to file a dispute for every charge I absolutely did not authorize. 5 of the disputed transactions came back and were returned to my account as fraudulent, a tiny fraction of the amount I had disputed. All the rest of the fraudulent transactions were denied and was told I could file another dispute on the fraudulent transactions that were denied. I repeatedly was told to do this several times and each time the outcome was denied. Finally, I was referred to the claims department and they would email documentation as to what factors determine why my disputed transactions were denied. The only documentation I received was a list of the fraudulent transactions which were denied, very similar to a statement which I can plainly see when I open Cashapp on my XXXX. When I called Cashapp Support once again to inform them the so called documentation I was sent told me nothing as to why my disputed transactions were denied and did not make sense why their claims department would refund a tiny fraction of the disputed transactions as fraudulent and the rest of the exact same transactions I disputed from the exact same merchant ( s ) operating under the same name as the popular yet controversial social media platform XXXX  were denied. I had no way of obtaining the merchant ( s ) contact information and Cashapp Support refused to give it to me. This process has taken up so much of my time and effort causing a ton of stress, XXXX, mental anguish and distress to where at this point I feel like this issue has become more about the lack of legal and fiduciary obligations to resolve this issue has effected my well being than it is the funds that were fraudulently take from my account. I seriously hope there is something we can do about this issue and prevent this kind of thing happening to anyone else in the future. I do have all the documentation I.ve been sent and any correspondence I have had with Cashapp Support regarding this issue as well. I look forward to hearing back from someone real soon and please reach out if you have any questions or concerns regarding my case.