davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

The original collector, XXXX XXXX XXXX, did not submit my claim to insurance, nor did they send me a bill for a service date of XX/XX/XXXX. I did not receive a bill until XXXX sent me a bill for XXXX. I first contacted them inXX/XX/XXXX, and one of the ladies said she would send it back with my insurance information to be processed. The claim was denied because they did not file in a timely manner. When claims are not filed in a timely manner and the claim is denied, the provider must either write the amount off or try filing another appeal. 

I did not receive bills again from XXXX until XXXX or XX/XX/XXXX. I recently reached out again on XX/XX/XXXX and the agent that I spoke with offered me a settlement of {$790.00}, I asked if he could send me that in writing or at least email and he advised that they do not do that. I then advised him that the claim was never sent through my insurance and I would try reaching out to the original collector, XXXX XXXX XXXX, to see if they could send it back. XXXX stated that once it has been turned over to a debt collector, they can't do anything and that I would have to call XXXX and have them send the debt back. 

I reached out to XXXX again on XX/XX/XXXX and advised them again that the account was never submitted to insurance. The agent then told me that if it wasn't sent through insurance then the full amount becomes patient responsibility, which is incorrect and illegal. I advised him that it is illegal to not file with insurance if someone pays for and carries insurance. He again stated that it is patient responsibility and that is why he offered a 30 % discount. I advised him that even with the 30 % discount it would more than likely be more than what I would pay if they had filed through insurance. I asked him if I could give him my insurance information so it could be sent back and he stated that there was nothing he could do and he can't send it back. I advised him that I would not be paying at this time, because it was not submitted through insurance and once it's submitted then I will pay it. He said he would notate the account and that was the end of the conversation. 

I am lucky that I know my rights as a patient, but I am worried that this company is telling other customers this same thing and they are paying amounts that they do not need to be paying.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # 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
Consumer complaint received 2019-03-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (OK)

XX/XX/2019 : repeated calls to employer ; harassment to colleague. 
A representative from World Acceptance, XXXX, INCESSANTLY phones my place of employment ; it is a place of business, not my personal cellphone. I have repeatedly explained the dire nature of my finances, and a promised payment to no such avail. They harass me at work every single day.
Consumer complaint received 2022-07-08
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: EQUIFAX, INC. (GA)

XXXX, account number XXXX. XXXX XXXX {$1900.00} Closed Unverified. 
XXXX, XXXX  Account number XXXX. XXXX XXXX {$4400.00} Closed Unverified. XXXX XXXX, Account number XXXX {$430.00} Closed Unverified.XXXX XXXXXXXX Account number XXXX {$370.00} Unverified U.S. Dept of Education Account number XXXX {$1700.00} Never attended that XXXXXXXX Unverified XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Unverified XXXX XXXX XXXX  Unverified XXXX XXXX XXXX Unverified In accordance with the fair credit Reporting act XXXXAccount # 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 cunsumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, account number XXXX. XXXX XXXX {$1900.00} Closed Unverified. 
XXXX, XXXX Account number XXXX. XXXX XXXX {$4400.00} Closed Unverified. XXXX XXXX, Account number XXXX {$430.00} Closed UnverifiedXXXX  XXXX Account number XXXX {$370.00} Unverified U.S. Dept of Education Account number XXXX {$1700.00} Never attended that XXXX  Unverified XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Unverified XXXX XXXX XXXX Unverified XXXX XXXX XXXX Unverified In accordance with the fair credit Reporting act XXXXAccount # 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 cunsumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (VA)

I noticed three unauthorized charges totaling {$650.00} on our checking account. The charges were made on XX/XX/2022. I called to dispute the charges and locked my card on XX/XX/2022. I received a letter on XX/XX/2022 dated XX/XX/2022 which stated that {$450.00} was denied due to not reporting this claim in a timely manner. I've been given a provisional credit of {$190.00}. The letter also states this is a temporary credit provided I complete, sign and return an XXXX XXXX XXXX form. I have not received this form.
Consumer complaint received 2018-09-13
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: Rosebud Economic Development Corporation (TX)

XXXX client, XXXX XXXX is a victim of identity theft. He was notified of an attempt to collect a debt from a cash advance loan with XXXX XXXX in the amount of {$740.00} dollars, this debt is related to an issue of identity theft and fraud. This has been an ongoing issue since XXXX and this issue was previously known as fraudulent and therefore should not have been sent to collections. An official dispute of this account was mailed certified with return receipt to XXXX XX/XX/XXXX and as of this date no reply or update concerning this has been received by my client. This action by XXXX is a violation of the FCRA and FDCPA. In addition to this an application for another loan was submitting to Rosebud Lending XX/XX/XXXX using Mr. XXXX XXXX   information without his consent. While no account was established there is a fraudulent inquiry on his XXXX  consumer report related tot he application. An official dispute was also mailed to Rosebud XX/XX/XXXX and as of this date no reply has been provided concerning the outcome of this investigation. This action is in violation of CFRA.
Consumer complaint received 2019-03-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUNRISE CREDIT SERVICES, INC (GA)

In XX/XX/XXXX, XXXX XXXX referred an outstanding balance of {$450.00} to Sunrise Credit Services.  In XX/XX/XXXX I set up and initiated a monthly automated payment of {$52.00} to settle the debt. In XX/XX/XXXX, I received notice from my credit reporting agency that there was a negative collection reported on my credit on XX/XX/XXXX and realized that the last payment made to Sunrise Credit Services was on XX/XX/XXXX. There were two remaining payments to be made which would have brought my account to a zero balance. I called Sunrise Credit Services to ascertain why payments were stopped. I was informed that XXXX " took the account back ''. Upon further inquiry with XXXX, they reported that because the account was still outstanding, they referred the account to XXXX XXXX to collect the remaining balance of {$100.00}, despite on-time monthly payments being made. I had no knowledge nor received any notice, written letter or otherwise, that the account had been transferred. XXXX XXXX reported that phone calls were made to my home number, however, no written notice was mailed. After paying in good faith to the settle my debt, this failure to report the acquisition of the new account prevented me from being able to clear up the account in a timely manner so as not to have it reported to the credit bureau.
Consumer complaint received 2020-02-04
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. (AR)

I was in the process of buying a new vehicle due to my family growing. As I was in the dealership I searched for the car I wanted and sat down with the salesman to see what type of interest rate I could get. As my credit got pulled it was almost impossible to get a low interest rate with the maximum of items on my report that are not mine. Can you please remove these items from my report. 

XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX  XXXX {$410.00} XXXX XXXX XXXX {$9100.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX  XXXX {$12000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$78.00} XXXX XXXX XXXX XXXX {$83.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2022-03-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (GA)

Paypal recently placed on freeze on my account. They asked for additional information twice but still refuses to unfreeze the account. I've decided not to use their service but now they wont allow the account to be closed. There asking for so much information that i believe will compromise my identity which has already been stolen multiple times. The account has a zero balance. I've tried to close the account on XX/XX/2022.
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WA)

This is concerning my CareCredit account even though I have made my payments on time never had a bad mark against me not with them or with anyone else on my credit my last payment that I made to them on XX/XX/XXXX for {$5300.00} was made on the website the payment was due XX/XX/XXXX so I made a week in advance I originally start making the payment through my bill Pay through my XXXX XXXX where I have my checking and savings account I entered the information how much I wanted to pay on XX/XX/XXXX I kept checking to see if they made the payment and when I checked the account I saw that they made two payments of {$5300.00} so I went to my branch to take care of this problem my bank told me they will cancel one of the payments and they will inform Care Credit by letter and by phone of what happened the two following days I kept checking and I saw that my bank sent them five payments of {$5300.00} at that point I went back to my branch and told him whats going on and I asked them to stop the payments so my checking account will not be overdrawn and that I will make the payment to Care Credit through the Internet directly to them so I made the payment XX/XX/XXXX it posted that it was paid a day later I see that they posted that I had a {$15000.00} credit because too much money was paid so XXXX XXXX  asked for the money back or cancel the payments so Care Credit stop the payments the next thing I know I receive a letter from Care Credit stating that my account was closed because too many dishonored payment I never had a payment go bad with them any checks returned with them or ever had anything bad with them so because they had to cancel the two payments their policy is to close the account but the fact is my payment was made on XXXX XXXX through the website and that brought my balance to XXXX. So there was no reason for them to close the account they shouldve just returned the money back and And leave my account in place this has caused me a lot of pain they reported to the credit bureau and it dropped my score 42 points I tried talking to them and they will not budge even though I explained and they agreed with me that I was a victim they were not willing to make any changes by reinstating my credit card or change the wording Care Credit is blaming XXXX XXXX  and XXXX XXXX is blaming Care Credit and I am stuck in the middle I am trying to fight this with two giant companies they will not budge what I believe happened is I had charged {$7500.00} with Care Credit for dental work and it was a promotional that if I pay this bill within six months I will not pay any interest I paid it one month in advance I believe thats one reason And then I also believe because of my age of XXXX years old that the bank doesnt want to take any more chances even though I have a clean record can you please help me on this thank you very much
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I am disputing the negative credit reporting to my credit report. I have worked hard to not have any negative credit reporting from XXXX XXXX. A stop payment was put on my account by my bank XXXX XXXX that I did not authorize. I paid my mortgage before it was 30 days late. When the payment was returned because of the stop payment. The bank realized that the stop payment was not authorized and removed it. I sent the payment the next day and it was paid. I sent my mortgage company a copy of an email from the bank saying that the stop paid was not authorize and removed. I asked the mortgage company to remove the negative reporting from my credit report because this was not my fault. 

Also, I have negative reporting status while I was under a modification plan. I do not feel that I should still be reported 120 or later while I was completing a modification plan. I was out of work 13 weeks and was late on my account. I had XXXX XXXX
Consumer complaint received 2018-09-13
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. (TX)

MY CREDIT REPORT IS MIXED UP WITH SOMEONE ELSE FOR POTENTIALLY ALL THREE CREDIT BUREAUS. BUT I ONLY SPOKE TO XXXX BUT ALL THREE ARE SHOWING AN INCORRECT XXXX SCORE AND THE WRONG CONTACT INFORMATION. 

XXXX has my report somehow mixed up with someone else 's. Today I noticed my XXXX Credit Score had suddenly plummeted over 100 points. The only thing that had changed on my report was I had taken out a small student loan for about {$8000.00}. Yet everything else was the same even my delinquent mortgage. 

But my score suddenly plummets over 130 points? 

And the reasons it gave for the plummeting score had nothing to do with my credit file. 

So I called into XXXX and spoke to an agent in XXXX. The agent kept telling me she had a different phone number for me. My phone number is already on file with XXXX, I had my credit report pulled up in front of me, but the woman kept saying she saw a different number. It was a very strange and frustrating phone call as she would not tell me how to resolve it. All she kept saying was there was a different phone number. 

And worse, the questions that XXXX was asking me when I was accessing my report did not apply to me at all. Although XXXX still gave me entry into my report. 

I have a fraud alert on my credit file because I have repeatedly been the victim of identity theft ( one of them caused by XXXX itself and they are paying for identity protection ). 

But I know that they have the report they release to lenders ( which is different than my personal report ) WRONG. 

The woman told me she saw employment numbers etc. on the report and additional numbers that were not on my personal credit report. 

So the report she accessed on me was different than what I saw. 

XXXX needs to release to me the report they show to lenders so I can verify the information because I did not see any different phone number.
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates (SC)

In XX/XX/XXXX, our office received a bill from XXXX XXXX XXXX for " business services '' in the amount of {$430.00} on an account I did not recognize. I called XXXX XXXX XXXX and was told this bill was for a broadband fiber optic installed on XX/XX/XXXX. This was the first bill although two years had gone by since the alleged installation. Our office never had fiber optic broadband installed so I initiated a billing dispute for which I have a tracking number. Later in XX/XX/XXXX I received a letter from XXXX XXXX XXXX demanding payment on our " delinquent '' account. I called XXXX XXXX XXXX on XX/XX/XXXX, and was told the dispute was resolved and no payment was due. Subsequently, in XX/XX/XXXX we received a letter from XXXX XXXX demanding payment. We notified XXXX XXXX XXXX by letter to advise the collection agency that payment was not due. In XX/XX/XXXX, we received a letter from a different credit collection agency, Prince Parker, again demanding payment.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (TN)

On XX/XX/21 I received a letter for the reason for denial of my credit card application from Navy Federal Credit Union. Per the letter, I was denied due to High interest Rate loan Application, Insufficient tax assessed property value, too small property acreage and too many Fha mortgages. 
I would like for them to explain first why is my mortgage and home values and size is being looked at for a consumer credit card. Secondly I would like for them to provide where did they get value of my house and lot size from as this info is not on my credit report. Lastly I feel this organization are practicing discriminatory credit decision making as as previously I was denied due to not making deposits into my account with their bank. I only have one mortgage so I'm not understanding how I have too many.
Consumer complaint received 2018-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/18, I received a charge to my Citizen 's bank checking account for {$220.00} from XXXX that I did not authorize. On XX/XX/18, I reported this unauthorized charge to Citizen 's bank, and they opened an investigation. I was told that I would receive a response within 10 business days. 

I have not received a response nor a provisional credit. I called Citizen 's bank on XX/XX/18, and was told that I should receive a provisional credit while they continue their investigation. However, I called the claims department at Citizen 's bank today ( XX/XX/18 ), and was told that I was mailed a letter on XX/XX/18. I never received such letter. The claims representative told me that they needed additional information in order to proceed, including why the charge was unauthorized and the exact date that I spoke with the vendor. I informed the agent that the charge was not supposed to occur, and that I informed the Citizen 's bank representative of this on XX/XX/18. I also told the representative that I spoke with XXXX many times when the charge occurred, and XXXX told me that they never charged my card. I asked when I would receive a provisional credit, as I understood they were required to provide it after 10 days while they continue their investigation. I was told that they would not provide a provisional credit, and that Citizen 's bank had 90 days to complete the investigation.
Consumer complaint received 2018-09-13
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. (AL)

I have a Chase XXXX XXXX 's rewards charge card. Is it legal for a charge card company to accru interest on charges made starting the day the charges are made on the account w/o even giving the consumer the opportunity to pay the balance in full by the due date? See below. I had a revolving balance of XXXX carried over to the next month billing cycle, and Chase, XXXX charge card not only charged me interest on that amount, but also on any charge made on the account before ever getting the opportunity to pay for those by the due date. It was {$50.00} on a balance of {$150.00} carried over from previous month. That seems very un-fair given that I never had the opportunity to pay on any of the new charges prior to the due date. Is that even legal? 



, '' upon review, I see that the statement balance on your XX/XX/2018 billing statement was {$420.00} and the payment was due on XX/XX/2018. We received a payment of {$200.00} on XX/XX/2018 and a credit from XXXX for {$69.00} on XX/XX/2018. Since the full payment of {$420.00} was not received by the due date of XX/XX/2018 and interest charge on {$50.00} was charged on XX/XX/2018 which is the closing date for your statement. 

To calculate your balance subject to the interest rate, we start with any balance carried over from the previous day and add new charges or fees then subtract new payments or credits. This gives us the daily balance for one day.

Next, we add together the daily balances for all days in the billing period and divide this total by the number of days in the period. This gives the balance subject to the interest rate for the billing period. 

We appreciate your business and thank you for being a Chase customer. 

Thank you, XXXX XXXX XXXX XXXX XXXX ''