davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Data and Contact Management Solutions, LLC (ME)

My brother passed away and he was billed for medical services that I am disputing. He was hospitalized and I believe Medicare should have paid the bill. I have submitted an appeal to Medicare so this can be re-evaluated for a possible coding error. 

I have been contacted numerous times from DCM Services. I have repeatedly told them I do not legally have access to his assets, and will not be able to file a Small Claims Affidavit until the end of XXXX, in accordance with Arizona law. I sent them a letter explaining this, along with copies of the letters I sent to Medicare and the treating doctor 's billing company. 

I also told her not to call me unless DCM Services became aware of a change in the status of this debt. I continue to receive calls from them, even though they do not have any updates or new information to inform me of. I speak with the same customer service contact- XXXX. She repeatedly says my name incorrectly and also does the same with my deceased brother 's name, in spite of my correcting her numerous times. I'm tired of being called after I have explained I will make sure they get paid if I learn it is a legitimate bill. However, I won't know if I will get legal approval until it goes through the courts.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Bankruptcy reported on my record over 10 years Numerous unauthorized credit inquiries Wrong addresses reported as previous address I have only one address over 15 years : XXXX XXXX  XXXX XXXX XXXX XXXX, Ca XXXX Wrong HIGH balances on my open accounts reporting as 98 % credit usage.
Consumer complaint received 2022-10-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (TX)

I have sent a cease-and-desist notice on XXXX an affidavit of truth on XXXX notarized I have allowed 45 days to reply have not received any document I have requested they are unable to provided sufficient evidence that the alleged debt is owed and where the loan originated from, they have ignored my affidavit and have not responded to affidavit or invoice due XXXX as of XX/XX/17 I'm sending an notice of default and opportunity to cure if no response I have no chose but to file suit
Consumer complaint received 2020-11-10
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. (GA)

on XX/XX/2020 I mailed in dispute letters to Equifax, XXXX  and XXXX. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me a great amount of stress and is slowing down my process of getting a home. Its been over 45 days and i haven't gotten any results back.
Consumer complaint received 2021-02-16
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: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Previous Complaint # XXXX and info below. 

Account name RASH CURTIS & ASSOCIATES Account number XXXX Recent balance {$360.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$360.00} past due as of XX/XX/XXXX. Show more Account name RASH CURTIS & ASSOCIATES Account number XXXX Recent balance {$360.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$360.00} past due as of XX/XX/XXXX. Show more Account name RASH CURTIS & ASSOCIATES Account number XXXX Recent balance {$360.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$360.00} past due as of XX/XX/XXXX. Show more Account name RASH CURTIS & ASSOCIATES Account number XXXX Recent balance {$5200.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$5200.00} past due as of XX/XX/XXXX. Show more Account name RASH CURTIS & ASSOCIATES Account number XXXX Recent balance {$3300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$3300.00} past due as of XX/XX/XXXX. Show more Account name XXXX XXXX Account number XXXX Recent balance {$350.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 


Per there response I've provided and emailed the physical copy of the police report as asked to provide. I was told after this information was sent that. I was told I'd be notified of an outcome but still haven't gotten one yet. I'm just trying to get my credit situation finally solved and fixed once and for all so my innocence gets these off my credit. I understand Rash Curtis and Associates is a business and they're just doing their job, but I'm also doing what I can to solidify their needs to fix this. Thank you!
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Express Collections, Inc. (TX)

This company contacted me about an debt owed since 2018. They asked if the information they gave was correct and I said no, that's not my social security number. I asked them to stop contacting me and they placed an collections account on my credit and the information doesn't match. Only the names and birthday match but social is completely wrong. Not even close in numbers.
Consumer complaint received 2019-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (MS)

I was pressure to get enrolled into this college. This college promise me and my family a great future stated that I would be placed on a job replacement program as well as my credit would be transferable. after being lied to they then stated they I should enroll in my XXXX XXXX and that they would help me find work. Here is it four years later after obtaining my degree I still cant find a job in my field and they have sink me in debt with student loans and unnecessary charges to may account. Thiis school is very dishonest now I have four kids nowhere to get an real education so I can obtain an great career due to the fact that they have charged me over 49,000 .00 dollars in debt with student loans. 


I have filed a complaint to have the loans removed or discharged but its going on two years now and nothing.Dear Mr./Ms. XXXX : We have received your application for borrower defense. Your application number is XXXX. 

If you have chosen on your application to have your loans placed on forbearance or stop collection activity while your application is reviewed, you will be contacted by your loan servicer with further information. 

You will be notified once a decision has been made on your application. 

Visit StudentAid.gov/borrower-defense to learn more. If you have questions, you may respond to this email or call our borrower defense hotline : ( XXXX ) XXXX. Representatives are available Monday through Friday from XXXX XXXX. to XXXX XXXX. Eastern time.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC. (NY)

I have a checking account with Santander Bank. For some time now the bank goes into my checking account and takes money out of my account even though I claim that the transaction was not authorized by me. I have requested the bank to return the money to my account. The bank has refused to return the money to my account. This has been going on now for months. Additionally several stores have issued refunds to be credited back to my checking account debit card and they are refusing to credit my checking account. Or the bank is taking a very long time to credit me for the refunds. This is the holidays and I need my refunds credited to my checking account. I have been waiting for the refunds credited to my checking account. Also the almost {$500.00} taken out put back. Santander is refusing to give my money back and to credit my checking account with the refunds. I desperately need your help. This matter is urgent! XXXX XXXX
Consumer complaint received 2022-12-14
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. (CA)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : 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 XXXX XXXX XXXXXX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2023-03-14
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. (AL)

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  : XXXX, 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 2023-10-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank won't let me access my account without signing some new agreement that says they're not responsible if money is stolen from my account while on they're watch. Also won't let me access online accounts with signing an agreement that basically gives them the power of attorney over my accounts.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Today what happened was Capital One had made an error on my credit score my credit was a XXXX now it's a XXXX I called Capital One they telling me that I owe {$6.00}XXXX XXXX XXXX'll tell them I don't owe that amount I owe nothing they tell me I do so I had to call my insurance company which is XXXX to help me dispute this matter so my insurance company had called Capital One until Capital One that it was an error with this issue so my insurance company had to correct the error that Capital One has made please help me to fix this matter and let me know thank you and have a great day
Consumer complaint received 2022-12-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department 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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (KS)

Wells Fargo Home Mortgage advertised mortgage relief several months ago due to the Corona Virus Pandemic. They stated that I could defer payments without penalty on my credit score. I was in between jobs this summer and new I would not receive a paycheck for at least one month. I took the deferment for 4 months and since then my credit score has dropped 100 points and my overall debt on my mortgage has gone up by {$7000.00}. Creditors have cancelled cards I have had open for years and I have been unable to apply for debt transfer cards.
Consumer complaint received 2020-11-09
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. (MN)

My credit cards has been lost/stolen and all the charges and transactions on the following credit card accounts are fraudulent : XXXX XXXX XXXX for {$290.00} and XXXX XXXX XXXX for {$210.00}. The XXXX XXXX XXXX and XXXX XXXX XXXX credit card accounts listed on my XXXX and Experian credit report are lost/stolen, and all the transactions on the credit card accounts are fraudulent.
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (PA)

I received my new Us Bank Reliacard on XX/XX/2020. I could not activate it online so I called cardholder services and was able to activate the card but was told my card was locked for security reasons. I asked what I needed to do to unlock it, they said I had to upload my ID and social security card. Which I did while on the phone with them. I was told it would take 24 hours to unlock my card. 17 days prior to that ( XX/XX/2020 ) I had already uploaded those same documents plus my lease to my new apartment due to the card being locked because I changed my address. Its Now XX/XX/2020 and my card is still locked. I haveXX/XX/XXXXsmall children and I am running out of food. I need to take care of my children with that money. My phone was shut off and my cable is next. Please help me.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2020-11-10
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. (IN)

on XX/XX/2020 I mailed in dispute letters to XXXX, XXXX  and Experian. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me stressed and is slowing down my process of getting a home.
Consumer complaint received 2021-02-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

Citibank froze my savings account without explanation. The fraud department refuses to even speak with me as they claim my phone number ( XXXX ) XXXX XXXX can not be verified. So I can not proceed further. Ive tried escalating the issue with no success. The number has been in my name for 15 years. I regularly receive texts from Citibank on this number. All I want is my account unblocked and to close my account and never have to deal with Citibank again.
Consumer complaint received 2023-09-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (FL)

So Loan At Last is a XXXX XXXX XXXX basically giving them Sovereign Immunity against State & Federal laws limits on APRs. I took out a {$600.00} loan not realizing they are charging me a 664.67 % APR. Making a {$600.00} loan into a {$3000.00} loan after everything is said and done, I dont understand why these Predatory Loan Companies are allowed to conduct shady, illegal business practices. Just because theyre protected by Sovereign Immunity? Thats ludicrous! Its unethical & immoral to charge such an APR. And they wonder why I cant pay back the loan! And on top of they, they put the loan in collections! They shouldnt be allowed to do that. Nobody will ever be able to pay off a loan at that rate. Loan At Last needs to be held accountable for their atrocious business practices & should be ordered to pay back restitution.
Consumer complaint received 2023-03-14
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. (PA)

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 XXXX XXXX XXXX. 

Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were opened to purchase underwear. Undergarments were stolen off front of house address. 

XXXX XXXX underwear stolen and replaced without receipt on porch/ front of XXXX XXXX. 

Credit card was open and closed and opened new cards not replaced cards. Effected my credit score XX/XX/30 points drop for hits on credit history. 

Paper bills not sent to house address.
Consumer complaint received 2020-11-08
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. (FL)

On the date of XX/XX/2020 the Equifax received a formal letter from myself XXXX XXXX XXXX XXXX in regards to negative items that I believed were incorrectly reported and/or flat out not accurate. They were given thirty days under the Fair Credit Reporting Act and today is day 31 and I have not received any updates or results from their investigation. I also then sent a letter on XX/XX/2020 to be overnighted to Equifax asking them to comply with my request by removing items that were not removed and for a copy of that request after executed. Also on XXXX/XXXX/2020 I filed my complaint with the Consumer Bureau to make them aware of this situation with the aspirations of actual fair results that Equifax was not able to provide.