davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prohealth Care, Inc (WI)

XXXX writing to share a serious concern regarding our familys interaction with Pro HealthCare [ https : //www.prohealthcare.org/ ]. In summary, a billing dispute has now escalated to the point of harassment, and we are asking for your help to resolve this matter. 

Please allow me to share the fact pattern for this issue : -Our son was born at the XXXX XXXX XXXX on XX/XX/XXXX. 
-The birth is a fully covered cost. Our insurance coverage is through XXXX XXXX XXXX, and our healthcare coordinator is XXXX. We have a confirmed EoB [ Evidence of Benefits ] from XXXX stating that this is a covered cost. 
XXXX XXXX XXXX has communicated that this claim has been paid in full. 
-Pro HealthCare [ https : //www.prohealthcare.org/ ] has been unable to identify the payment. As such, weve been contacted by the Pro HealthCare billing department on several occasions [ dates listed below ] stating that the invoice status for XXXX birth is unpaid and has now gone into a formal collection process. 
-To trace the payment, XXXX has communicated to Pro HealthCare that Pro HealthCare must initiate a request to the local XXXX office to research and find the payment that was made. When weve communicated this requirement to Pro HealthCare, the response has been, Thats not my job. 

Neither XXXX, in its role as the XXXX coordinator, nor we [ the covered parties ] can initiate a check trace as we are not parties to the financial transaction between the payor [ XXXX ], and Pro HealthCare, the payee. 

Weve worked diligently to resolve this matter with Pro HealthCare but unfortunately have been unable to come to a resolution. As mentioned, the tone of the conversation has now been raised to the level of harassment, and this is now unacceptable. 

Pro HealthCare is currently requesting payment of {$380000.00}. Please note that there have been several iterations from Pro Healthcare requesting different amounts. 

Dates of communication : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Attached with this submission are : 1. The EoB [ Evidence of Benefits ] from XXXX stating that this is a covered cost and the payment for this claim has been made. Please note that they payment made is equal to the negotiated rate between XXXX [ our insurer and the payor ] and Pro Healthcare [ the payee ], and is not equal to the amount in the collection 's notice. 

2. The collections notice
Consumer complaint received 2022-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sequium Asset Solutions, LLC (MI)

Received call on XX/XX/2022 at XXXX, clearly its a mass dialer because the line was quiet for XXXX seconds before someone came and started asking for my wife, asked what is this in regards for, he yelled if you dont know her no point in talking to you and hung up. Called back asked to be removed from any list lady slightly laughed. Havent received any other notice of the debt owed, not sure how their complying with the laws on that one. 

Additionally when asked for the company name the laughing lady said it very fast, purposefully trying to make sure people write it down incorrectly.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX and I am submitting this CFPB Complaint to request several credit inquiries that were unauthorized to be removed from my credit report. On XX/XX/, I received a copy of my credit report and became aware of four inquiries that I did not authorize. They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In keeping with the Fair Credit Reporting Act, I am asking that my claim is investigated and any and all unauthorized inquiries removed from my credit report. I would appreciate a copy of my credit report once the inaccuracies are removed.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Moore Legal Group, LLC (NJ)

Meadowbrook legal Group has engaged in deceptive business practices. I hired Meadowbrook legal to settle debt. They rushed me to sign a contract, asked me to add money to a savings account for them to use as leverage. I was reassured multiple times by the sales rep that the only fee will be a {$89.00} admin fee every month. This savings account was hidden ( on another website called XXXX XXXX ) I found months later that they have been using 95 % of my funds to pay their made up fees ( retainer & service fee. ) They haven't provided me with any services to justify these charges and when I asked about for refund on the hidden fees they said they aren't refundable or reimbursable. Unknowingly, by paying these hidden fees it has put me further in debt. I thought I was saving for a settlement. 
The fact that the fees are hidden in the contract plus being rushed to sign did not allow me the opportunity to make an informed decision before signing the contract. Meadowbrook legal group misled and concealed the fees in a way that made them difficult to notice even as they charged me, they haven't provided any service and I want a refund on these fees.
Consumer complaint received 2021-04-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

This is a response to National Credit Adjusters, as i am waiting for there response that i allegedly owe this debt. i would like to point out that they are in violation of : 15 USC 1692b ( 5 ) not use any language or SYMBOL on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 
They are also in violation of : 15 USC 1692b ( 2 ) not state that such consumer owes any debt. 
You can see the violations from the exhibit I have submitted from National credit Adjusters
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this XXXX concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

I sent a letter to Equifax XXXX XXXX on XX/XX/2023, here is my Certified Mail or Tracking Number XXXX XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of the information was also mistaken, fraudulent or perhaps even possible identity theft. These are clear violations of my federally protected rights.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-06
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

XX/XX/XXXX, there was a fraud transaction on my account that I didnt recognize. then also 2 XXXX  transactions that I didnt recognize either. I immediately changed my account information and ordered a new card. The next day they put an XXXX hold on all my accounts and wont let me access any of my money. I called customer service for days and they told me there was a XXXX dispute charge from XXXX  I have no idea about it I dont even have a license to be involved with XXXX. they told me theyd send a cashiers check. I recently called a week later saying I havent received the check and they said they extended the investigation to XXXX and I wont receive my money till the investigation is done. All of this has been absolutely unfair and Im being punished for something I didnt take part in. My direct deposit also went into that account and they wouldnt let me have that either, literally holding onto all my money. Ive called them countless of times and theyve treated me horribly to the point where Im crying. they dont seem to care that I cant pay my bills or help my family, I dont have a dollar to my name for gas or food. I have bills to pay and a XXXX to pay for. this has caused alot of emotional stress for me and my life. they dont care to help they keep repeating that its their policy and hang up on me. I just dont think any of this has been fair. please help.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 
XXXX XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$690.00}
Consumer complaint received 2018-11-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MIDCOUNTRY FINANCIAL CORP (IN)

XXXX XXXX is a small lending company that operates in my city. A few years ago, I received a loan from them, and it's been nothing but a nightmare since. 

For starters, the staff at the XXXX office has used abusive practices including demeaning me when I fall even a week behind on my monthly payment. I've been hounded and harassed by their regional managers ( I believe they're called this ) and even been threatened with action against my credit report - even when I was on time! 

I believe fees were unnecessarily put on my account, although I've been denied access to my account to prove such. The amount they purport I owe is almost as much as I borrowed - almost two years later. 

Yesterday, XX/XX/XXXX, I received an alert by XXXX XXXX that a " civil action '' entry was put on my credit report - and there are NO open cases in XXXX County, Indiana which was initiated by XXXX XXXX. This is an abuse of power to harm my credit. 

Today, XX/XX/2018, I received an alert from XXXX XXXX that a hard inquiry was made on my credit file. I have not applied for a XXXX XXXX product, and there is no permissible purpose for pulling my credit as a hard inquiry. This has done unnecessary damage to my credit report, and I will be seeking redress for this. 

I wanted this complaint on file with the XXXX XXXX XXXX XXXX. I will be seeking private counsel to take civil action against XXXX XXXX for the damages they have done to my credit report.
Consumer complaint received 2017-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (FL)

I have been more involved on what 's being reported n my credit report. I signed up for XXXX and XXXX XXXX and noticed that there were a few collections on my report that I was not aware of. I called the original creditor which was XXXX and spoke to a rep. I provided my information the rep and informed him that XXXX is reporting me to a collection agency stating that I had service with them. I provided the rep with additional information to search for this account that 's in collections and the rep provided me with an address that I have never resided at. I informed the rep that I have a fraud alert on my credit report due to my identity being used before which the rep noted on this fraudulent account he pulled up. I thought that would have resolved the issue, but it was still being reported on my credit report. I then disputed online to the collections agency who is reporting me in which after the investigation the results was that the debt was valid. I reached out to them numerous of time asking for proof, or documentations with my signature but they were unable to provide me with that information. I have never lived at the address that was reported on that account, I have also never agreed to this fraudulent debt being mine, and never owned any debt to XXXX
Consumer complaint received 2020-12-15
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. (MO)

On XX/XX/2020I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been almost 40 days so they should be updated to payed as agreed promptly. I demand these accounts be updated immediately, or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.
Consumer complaint received 2019-01-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MO)

I filed a remodification back in XX/XX/XXXX with XXXX XXXX XXXX my payment was $XXXX, everything from principal,interest and escrow was rolled back into the loan.I paid 5 payments of this amount.  Then XXXX XXXX XXXX sold my loan to Fay Servicing based out of XXXX  Illinois, I paid 3 payments to them, on XX/XX/XXXX they raised my payment upto $XXXX,they it was because my escrow account was behind. I can understand a few dollars behind they raised my payment $XXXX a month.  So I asked for proof took them forever to give it to me, but still made no since how I could be behind . I tried to do a remodification with Fay Servicing, I sent the remodification pack to one case manger,they then assign to a new case manger he couldn't find my papers,so I had to sent it again. This happen 4 times, I hired The XXXX XXXX XXXX, they were helping,but it didn't work out with them. My Foreclosure date was XX/XX/XXXX I did get a email from a case manger from Fay Servicing saying they finally got all the paper 2 weeks before that and Foreclosed anyway.  I hired XXXX XXXX, he help me stay in the house until XX/XX/XXXX, that when Fay servicing lawyer, XXXX had all of my stuff put on the street. I filed Civil suit but XXXX bullied into dropping it or they would sue me for $XXXX   in back rent. So I drop,then I found out about this law suit against Fay Servicing. My lawyer said I cant sue them twice, Fay Servicing fraudulenly stole my house. The last case manger I had was XXXX XXXX,he said he had everything he need to review my case, but as to know surprise,when I called for him,they said he no longer work here
Consumer complaint received 2023-03-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: EAST WEST BANK (NJ)

On XX/XX/XXXX I XXXX XXXX initiated a wire transfer from my brokerage account XXXX  account from Account # XXXX ( XXXX ) XXXX in the amount of {$85000.00} to. Please be advise the intended recipient was suppose to be as followed from XXXX ; Account ; XXXX XXXX Account # last 5 digits # XXXX routing # XXXX XXXX  ; XXXX XXXX XXXX ; East West Bank Address ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Federal reference XXXX XXXX XXXX on East West Bank for depositing a check made out to XXXXXXXX XXXX XXXX while the intended account holder is XXXX XXXX this check should have never been deposited under the incorrect recipient. 

Complaint The Consumer ; XXXX XXXX Address XXXX XXXX XXXX XXXX, NJ XXXX is asking to forward the Check back to either XXXX account XXXX ( XXXX ) XXXX due to lack of Service nor Goods receive, the severity of this complaint negligence on part of East West Bank depositing funds into the wrong recipient, which should never had occur. 

XXXX has made an effort to recall funds under case # XXXX not once but several times dates are as followed all year XXXX ; XXXX XXXX XXXX XX/XX/XXXX after XXXX attempts and a certified letter from XXXX XXXX addressed to the East West Bank. The Bank has not cooperated in returning the funds to the rightful owner.
Consumer complaint received 2019-01-11
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received an alert from XXXX XXXX that my credit score dropped by 47 points on my XXXX report. I had no major changes on my accounts ( even during the holidays ). After carefully examining, I realized that Capital one had reported me 30 days late. I called them and explained that I moved in XXXX and that I have NEVER had any issues prior to this. I admitted my mistake and requested for them to remove this information as a goodwill adjustment. They initially stated that they couldn't remove it. I asked to speak to a supervisor who initially told me the same thing, and explained that he never encountered this situation before. After twenty minutes on the phone, he suggested that I contact the credit bureau and dispute it. I questioned the validity of his information since the credit bureaus will only report what Capital one reports. The supervisor, XXXX suggested that I send the request to the credit dispute department which I did, but I did not receive any response or solution to my request. I have this account since XXXX of 2016 and I have NEVER been late. I had such a good payment track record with Capital one that I even have car financing from them.
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (AL)

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 XXXX XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I HAVE A COLLECTION FOR XXXX XXXX  AND XXXX XXXX XXXX, I DO NOT OWE THESE COMPANYS ANY MONEY, THEY CAN NOT PLACE A DEBT ON MY CREDIT THAT SHOULDNT BE ON MY CREDIT,
Consumer complaint received 2018-11-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (MN)

I have previously communicated that this debt is not valid and they have not provided proof of the debt, nor have they stopped contacting me. the most recent collection efforts include someone calling from an unidentified number ( They blocked it ) and leaving a message where they did not say where they were calling from or identify the company. they asked to have my attorney contact them and gave and " agent '' number. 
1 ) this is blatantly abusive and deceptive and a violation of UDAAP. You can not contact someone and not provide information while hiding behind the title agent, like you work for the federal government. 
2 ) when I called back to figure out who was contacting me, I recognized the name, XXXX, as a company who I have disputed a debt with, this is not mine and I will not be threatened of coerced into paying it.