davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditor Advocates Inc (MN)

Hi, My daughter 's insurance is managed by her dad. All the medical bills associated with her surgery or care through the XXXX XXXX XXXX  should be in his name, and as well as all the other medical bills when I was out f work. This a problem. I called to have the bills transferred into his name but that has not happened. 

I also filled out a financial application which they have lost through XXXX and the University of XXXX. This is also includes bills for the anesthesiologist. There are also bills that have been sent to collection agency companies without going through the insurance claim process. The two companies are XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

The other problem is that the insurance company which is XXXX can not speak with me about the bills because my daughter 's coverage is in her dad 's name. XXXX met her threshold for her deductible in XXXX of 2018.
Consumer complaint received 2018-06-18
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. (FL)

On XX/XX/2018 I wrote all 3 credit bureau a letter and mailed it cerified to stating I would like the bankrupcty that is being reported by them to be VALIDATED and all I recieved back are letters or updates that state item verified. They have not stated who VALIDATED and how it was VALIDATED. I wrote a letter to the UNITED STATES BANKRUPCY COURTS who replied back with a letter that states that the courts do not VALIDATE OR REPORT any Bankrupcies or share information with any credit bureau ever .... Futhermore after careful inspection of all 3 credit reports from XXXX   XXXX, TRANSUNION and writing more letters to the 3 credit bureaus I keep getting the same old answer verified and remains till XXXX. All 3 credit bureau XXXX, XXXX, TRANSUNION are reporting a bankrupcy with file # XXXX.which if VALIDATED they would know its wrong missing a number and letters from the case number. I then contacted my lawyer who further stated that the number being used is incorrect and that it all 3 bureau need to delete this inaccurate information from my credit report ASAP as they are in violation of FCRA 623 ( A ) ( 5 ).
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX   now.with no help.
Consumer complaint received 2019-06-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (TX)

XXXX XXXX 's office called XX/XX/XXXX and offered a 50 % year-end promotion on dental services. His treatment plan called for two XXXX   XXXX XXXX and two XXXX for XXXX XXXX & XXXX. After receiving substandard dental  services which caused excruciating pain on XXXX   XXXX and the discovery that the 50 % discount was actually more than the allowed insurance rate, I cancelled services and requested a refund for services paid but not rendered since I paid the treatment plan in full ahead of schedule. 

XXXX XXXX billed XXXX at {$1200.00}, with 50 % discount, my cost is {$600.00}. However, XXXX contract pricing is {$600.00} for XXXX   member rate is {$300.00} of which I pay 60 % or {$180.00}. He is clearly overcharging. 

XXXX XXXX reversed 2 payments of {$550.00} each and {$300.00}, since XXXX XXXX refused to return money, stating services were performed. Included is a treatment plan from XXXX XXXX on XX/XX/XXXX for XXXX build up and XXXX  for XXXX XXXX & XXXX. 

XXXX XXXX scheduled XXXX to be seated XX/XX/XXXX. However, after cancellation , XXXX XXXX billed XXXX for 2 XXXX XXXX XXXX  and XXXX XXXX for services rendered XX/XX/XXXX, which is fraud. Please note treatment plan from  XXXX XXXX on XX/XX/XXXX for XXXX and XXXX   buildup on XXXX  XXXX & XXXX. This clearly shows work was not completed on XXXX  XXXX & XXXX 

After review, XXXX determined, those services were not performed and adjusted XXXX XXXX 's claim accordingly. XXXX XXXX continues to bill for these services not performed and referred such to Paramount Recovery for collection. 

Attached is a ledger showing charges and my initial payment with the promotional discount, letter from XXXX stating services were not provided, but started, EOB from XXXX for services rendered, ledger for services he seeks to collect payment, and invoice and from XXXX XXXX for XXXX XXXX XXXX and XXXX for tooth XXXX on XX/XX/XXXX. In short, his claim is fraudulent and deceptive. His claim is fraudulent. 

XX/XX/XXXX, I emailed Paramount Recovery Systems the above mentioned statements from XXXX XXXX, letter from insurance company stating the work wasn't completed and invoice from XXXX XXXX for XXXX and XXXX XXXX XXXX  on tooth XXXX, disputing these charges from XXXX XXXX. Since I had not heard back from Paramount Recovery Systems, I called XX/XX/XXXX, for update and was told because I visited the XXXX XXXX XXXX, the claim is valid and will not be removed. 

I am appalled Paramount Recovery Systems is shunning it's responsibilities in addressing this issue. In the past, I called several times and was told a supervisor would call back in 24 hours. I never received a call back from anyone. Paramount Recovery Systems notified XXXX, which shows " disputed '' and status shows " closed. '' The other 2 agencies show status " active '' with no dispute indication.
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (AL)

For the second time, I have been contacted by a debt collector attempting to collect debt or to resolve a debt issue ( I think he said regarding a XXXX card ) with a person who is not me. Once again, I told this person that there is no one associated with my number by that name. The person they are attempting to collect/resolve issue with is XXXX or XXXX XXXX XXXX XXXX XXXX. I'm assuming this is a female with the middle name XXXX. I'm an older male. When I called back to this collector yesterday, I starting asking him who his company is and trying to get detailed information so I could report it. He then hung up on me. I told him again, there is no such person associated with me/my number. 

As for me personally, I have a credit freeze and fraud alert on my account because of past debt collector actions trying to collect someone else 's debt from me. I personally do not carry debt. I pay off my credit card every week. 

The telephone for this person ( according to the message he left his name is XXXX XXXX is : XXXX, ext XXXX ( The number also shows up on my phone as XXXX, XXXX XXXXXXXX, KS )
Consumer complaint received 2021-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VT)

I have tried several times to dispute inaccurate information on my Equifax CR and every time they " dispute and verify info is correct '' a new inaccurate error gets put on. 
XXXX : I This data is wrong : Account Status NOT_MORE_THAN_TWO_PAYMENTS_PAST_DUE ( I have paid this loan off in full and the acct was closed XXXX Date of 1st delinquency : states XX/XX/XXXX, XXXX can this state DOFD when this was the date the acct was pd off in full? 
Date Reported XX/XX/XXXX, XXXX>should be XXXX  reporting on this it has been closed since XX/XX/XXXX. 
Date of Last Payment XX/XX/XXXX >paid off in full ( I have not had 1 late payment since XX/XX/XXXX but my equifax CR now shows a late payment in the past 30 days. 
XXXX : Date Reported XX/XX/XXXX- why is a closed paid acct r ( pd XX/XX/XXXX ) reporting to a CB? 
Date of First Delinquency XXXX XXXX, XXXX ( DOFD is XX/XX/XXXX ) XXXX  : Date of Last Payment XX/XX/XXXX ( paid charge off ) Date Reported XX/XX/XXXX, XXXX>why is this acct being reported when it has been closed, paid in full XX/XX/XXXX? This is making my CR from Equifax, a long with the inaccurate info above, to look like I have late payments in the past 30 days when that is not accurate. My last late payment is XX/XX/XXXX, over 22 months ago ) I have disputed these inaccuracies several times and each time the info coming back says it has been verified as accurate. These credit bureaus have a responsibility to report accurate and true information. The inaccurate info above that is now being reported from Equifax is wrong and reporting that I have made a late payment in the past 30 days and this is devastating to me as I have tried so hard through the pandemic to work on my credit and make better credit choices. So how is this right that they can report wrong and damning information?
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Paypal Holdings, Inc (MS)

PayPal locked my PayPal account and will not unlock it until I pay XXXX because they said I had a negative balance. In the meantime PayPal credit took XXXX out of my bank account and I cant get into my account to even change payment or anything. I feel as though I am being distorted out of money because Im not able to make any decisions on my account and they are making decisions without my knowledge.
Consumer complaint received 2020-02-07
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Santander Consumer USA Holdings Inc. (TX)

Had issues with Santander Consumer USA last summer. We finally reached a deal and refinanced my loan. And I have made 7 consecutive payments on time or earlier than the expected due date. I feel like Santander did me wrong before I reached out to their Corporate Team and that is where a new loan restructure had taken place.

I feel that I have proven myself that a little hiccup shouldn't put a customer/consumer relationship on the line. So I have a proposal for Santander
Consumer complaint received 2018-02-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

Our mortgage was sold to Carrington Mortgage services. They call at least once a week, but I have received calls just minutes apart. They keep calling asking me to refinance at a lower rate. I tell them every single time that I am not interested, to stop calling. They say they will add it in the notes of my account, yet the calls continue.
Consumer complaint received 2023-07-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DISCOVER BANK (CO)

I have been receiving phone calls from Discover about paying off my credit card debt. I have told them that I am working with a debt consolidation company to resolve my debt yet I continue to receive calls. They are rude and make very vague threats about this is our last time trying to call before we take further action. They have now began to call my mother, whom I live 700 miles away from and has no involvement in ANY of my finances. They are calling and threatening her now. This is so wildly inappropriate and should not be legal to contact my mother about MY account.
Consumer complaint received 2021-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (FL)

I filed a fraud report with my bank ( Santander ) due to some unauthorized activity that took place. The bank took action by freezing all of my accounts. Since this is the second instance of fraud involving this institution I decided to open a new account with a different institution XXXX XXXX XXXX XXXX XXXX. I was told by the representative with the fraud team at Santander that I could write a check on my existing account to fund the new account with the new institution XXXX XXXX XXXX. The reason they would allow for this exception is because I live four hours from the closet Santander branch. I was told that I just need to call the fraud team, give them the check number, amount, and the name of the depositing bank, which I did. A few days later I was notified by my new institution ( XXXX  ) that the check I wrote to fund the new account was rejected by my old bank ( Santander ). I have been calling for two days trying to speak with a supervisor and to get someone to authorize a wire transfer so I can move my funds from the old bank ( Santander ) to the new institution XXXX XXXX XXXX. I have spoken with at least three different reps an no one has been able to assist. I am being left on hold for hours on end only to be told that someone will call me back and then I do not get a call. Santader is has $ XXXX of my money and is now allowing me to access it.
Consumer complaint received 2021-06-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (CT)

I went to XXXX XXXX XXXX Hospital back around XX/XX/2016 I was treated for wrong service. The hospital waived the bill but the dr bill has been on all 3 of my credit reports and has been in debt collection with transworld systems. I have disputed this item several times. They tell me we can keep it in dispute but it has to stay on your credit report to damage my credit. This is not fair to me. You can check with the hospital their bill was waived. I'm trying to get a mortgage and this account is adversley affecting me. I will not pay for services that were provided that were not the right services. If the hospital agreed I don't see why this should be on all 3 of my reports damaging my credit. I am begging you to please remove ASAP from all 3 reports. If not I am going to now get an attorney involved and prove the case. The hospital dropped their end right in 2016. I am XXXX and being taken advantage of. The amount is for {$1400.00} on XX/XX/2016
Consumer complaint received 2020-09-25
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. (CA)

I applied to rent an apartment today XX/XX/2020 and when they ran my credit, I was told that I was not eligible to rent an apartment because there was an account and several inquiries reflecting badly on my credit history. I had no idea what they were talking about but when I looked through my credit report I saw an account from a company called XXXX that I never opened. I don't know why this account is appearing on my credit report since it is not mine and I never allowed anyone to open it in my name. I did not benefit anything from this account such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards this account. I do not have any written/verbal contract with that company and I never gave them permission to run or access my credit information. I have already filed a police report regarding these unauthorized account.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC (SC)

On XX/XX/2021 I made a payment to my credit of {$350.00} during this phone call the agent offered me a due date change from the XXXX to the XXXX which would give more time in my cycle to pay the bill. I asked if my balance would report on the XXXX of XXXX the representative advised that yes it would report however she failed to advise me that the new cycle would change the reporting date to the XXXX of the month on XX/XX/2021 I contacted XXXX XXXX again in reference to the reporting I spoke with 2 reps they both advised me because I had great payment history my payments post immediately and my account would report at XXXX On XX/XX/2021 I received not only an alert from XXXX  that my score had dropped 21 points but ALSO my lender to tell me that I can not close on my newly built home because my FICO 2 also dropped to XXXX I immediately contacted XXXX XXXX and they escalated to several managers I had been speaking with a manager by the name of XXXX who advised me to make yet another payment of {$500.00} and she would do a courtesy correction to the report on XX/XX/XXXX I advised there should be no courtesy as if I was advised correctly we would not be having this conversation I spoke with another rep who advised that whenever they offer a due date change they have to disclose the cycle changing and if the cycle is soon they have to advise this information Here it is day 5 and no resolutions from XXXX  each agent says something totally different I am unable to speak with upper manager or the credit reporting department to file a formal complaint I am due to close on home I have a sales contract if needed and I can not close on XX/XX/2021 because of this
Consumer complaint received 2016-02-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ballybunion Enterprises, Inc (SC)

I originally took out a small loan of {$6500.00} from Military Credit Services ( MCS ) in XXXX XXXX. I was making payments through an allotment. In XXXX XXXX, they switched my loan provider from MCS to Freedom Stores without informing me. When I noticed this, I stopped all payments and requested that they send monthly statements to the address I provided them. They refused, and gave me online access to their website. I attempted this and resumed my payments. I logged on two months later and noticed no change in my account balance. I called Freedom Stores and informed them I would stop submitting payments until they mailed me a copy of my contract and send me monthly statements in order to keep track of my loan progress. They refused to send me statements, transferred me multiple times to different operators, and threatened legal action if I did not pay. They constantly call me and attempt to harass me into paying with the same conversation playing out. " Please send me statements and a copy of the contract '', transferred multiple times and than told no and they have called my XXXX multiple times. I have attempted to work with them and have submitted a few payments in an attempt to gain some ground and receive what I need, but I have never received a monthly statement or seen any visible evidence that my loan is decreasing. The last payment I made was on XXXX XXXX. The loan is now over 180 days past due
Consumer complaint received 2021-06-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

I paid off the lease in XXXX2020 and the remaining residual. Provided all the necessary documentation needed to obtain my title. As of today I still do not have title to my vehicle. Please provide to me the guidance and assistance needed. 

Account # XXXX XXXX  Kia XXXX XXXX XXXX
Consumer complaint received 2018-07-24
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NE)

This loan was sold to Rushmore Loan Management Services to  be effective XX/XX/18. My account was set up for automatic ACH payments to be made by Rushmore on the 1st of every month. For whatever reason on XX/XX/18, they changed the ACH payment amount, without notifying me, and posted it under XXXX ... ..the dollar amount and the Payee were unknown to me and I stopped payment. Because of all the confusion and their questionable payment methods, that payment was late. From that point on, all payments have been paid by Money Order, as per Rushmore 's instructions. I have been late with a payment but I have NEVER missed a payment! As of the date of this writing, my account is current. They have reported me for missing two payments and that is FALSE. I can account for all of my payments. My account has always had sufficient funds in it to be kept current and in my opinion, Rushmore has mishandled my funds, and has shorted my principal payments by carrying excess funds forward as unapplied funds. They refuse to correct their reporting and acknowledge they are wrong. My Credit Score has dropped from 800+ prior to their reporting down to 600+ with their FALSE reporting. This is  unacceptable.
Consumer complaint received 2021-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have many inquiries on my credit report showing that is not mine. I reached out to the consumer reporting agencies numerous times over 60 plus days. Letting them know that these inquiries are not mine, fraudulent, and unauthorized by me. I ask for proof and validation of these inquiries, and they refuse to send me validation only stating that it's verified. I know they haven't tried to investigate these inquiries because they are not mine and is a violation under 15 USC 1681b ( 3 ) i want them removed immediately.