davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (FL)

On XX/XX/2022, I went to the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I provided information from my XXXX XXXX XXXX that I pay each month. After the visit, I paid my deductible of {$600.00}. While I was paying my deductible, letters from the hospital began to arrive via postal mail trying to collect an additional amount of {$800.00}. I contacted the insurance and they told me that this debt was settled by the insurance and provided me with letters proving that my care was paid in full. ( See attached letter and photos ). I informed my insurance what was happening and started calling the hospital to say that the debt was already paid. The hospital continued to maintain the {$800.00} debt and it was finally sent to a debt collector called Medicredit from whom I receive letters and calls on my phone trying to collect a debt that has already been paid. ( See attached letter ). The insurance also tried to contact the hospital to no avail. They suggested I file a complaint with the Consumer Financial Bureau. 
Also, I would like to express my concern regarding the {$60000.00} charge for my recent visit to the emergency room. Considering that my treatment involved minimal medical services during a XXXX XXXX, I find the amount to be excessively high. In my view, this charge is unreasonably exorbitant, and I strongly recommend a thorough review of this billing.
Consumer complaint received 2022-10-26
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: RentDebt Automated Collections, LLC (NY)

I5 USC I681 section 602 states that You have the right to privacy ' 15 usc I681 section 604 ( a ) Subsection 2 states that A consumer reporting agency can not furnish an account without your written instruction 15 uSc I666 ( B ) A creditor may not treat a payment on a credit card account or open end consumer credit
Consumer complaint received 2022-04-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My husband XXXX XXXX died in XX/XX/XXXX, and I visited BOA downtown XXXX XXXX location with all paperwork after finding his empty checkbook. I'd already tried to change his banking passwords, as I had his email access, but I couldn't get in. 
After an hour spent downtown with banker XXXX XXXX, I was eventually told I had to make another appointment with a notary after the Death Certificate was issued even though I already had a different letter from the county. ( Due to XXXX, the morgue was months behind in issuing official death certificates ). 

Visited Notary at the XXXX location ( XXXX ) with XXXX etc to complete papers. Notary assisted, though something had to be re-faxed a few days later for missing a form number or signature. Explanation unclear, papers faxed. 

XXXX : received closure completion guaranteed via email ( have this ) from the original banker XXXX XXXX at the downtown location. Then I never received anything or heard back. I followed up by email in XXXX and never received a response. 

XXXX : Visit XXXX branch with paperwork and to ask where things were. Updated new apartment number. ( There was a delay because I lost my ID and could not provide it to update the records. In my paperwork, it looks like the notary didn't sign?? the first time?? ) XXXX : Start complaining on XXXX, hear from several BOA SM/PR associates. Receive a phone number, finally get someone on the line. Was told I never had a banker assigned my case ( not even original banker XXXX XXXX ) but now this is resolved. Was told something was sent in XXXX ( I moved apartments in XXXX and already wrote to them. ) Was told they would send a new check. Did not. 

XXXX ( XX/XX/24 ) after tweeting again, was given a call with a phone number to check the tracking information for an express check. Called number, left message, never heard back. 

I have some of these phone calls recorded.
Consumer complaint received 2019-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (FL)

This lab work was paid by my health insurance this company tried to collect unlawful debt before using different location also has used neighbor spoofing tactics to collect unlawful debt please investigate this harassing unlawful company close there business permanently before someone becomes victim of this company.
Consumer complaint received 2022-09-28
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. (NJ)

In accordance with the Fair Credit Reporting Act 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 an account without my written instruction.
Consumer complaint received 2021-05-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

I put my money into XXXX wallet and now I'm unable to do anything to it due to " gas fees. '' I don't get a choice to even pay for gas fees, I can't get past the page to complete the transaction. I spent money to send it to my wallet and that was a waste.
Consumer complaint received 2019-07-03
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)

On XX/XX/XXXX, I called XXXX XXXX regarding a hard inquiry that I did not aware of on my Experian credit report. I found an inquiry dated XX/XX/XXXX. I reported that I did not apply for any card or loan that period of time and suspect it's identity theft. They said they would send me a letter and remove it but no action has been taken since then.
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (FL)

I was told I was approved for a Chase XXXX business card over a week ago. I was told I would receive the card in 3-5 business days. Im being charged a substantial annual fee for a card that I dont have.
Consumer complaint received 2021-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (NC)

I am filing a complaint against NAVY FCU because they are attempting to collect a debt that I do not owe them. Account Name : NAVY FCU, Account Number : XXXX, XXXX. 
I would like for NAVY FCU to show proof of verification that I owe them {$15000.00} with the account above. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a a letter stating that your investigation was complete.

1. What certified documents were reviewed to conclude your investigation?

2. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA : Please answer the following questions : a. Who did you speak with? 
b. What was the date? 
c. How long was the conversation? 
d. What was their position? 
e. What number did you call? 
f. What is the name of your employee that spoke directly to the creditor? 
g. What is the position of your employee that spoke to the creditor?
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX sent a incorrect credit file to my credit report resulting in damage to my credit score ( inaccurate late payments and other information ) I have never been late and have the statements to prove it ( XXXX  is XXXX credit card ) They have not corrected the issue XXXX has not corrected the issue Neither have the other credit bureaus Even with sending in evidence including my credit card statements and a email stating they sent the wrong file they sided with a incorrect report even with the evidence The companies are not investigating properly causing damage to my credit report
Consumer complaint received 2022-04-11
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: Experian Information Solutions Inc. (NC)

I was affected by XXXX which caused a financial hardship in XX/XX/2022. I contacted XXXX XXXX in reference to account # XXXX and they made accommodations on my account and removed the 30 days late fee. Under the Cares Act my account should be reporting as current on my credit report for the month of XXXX 2022. I am requested that the 30 day late be deleted from my credit file.
Consumer complaint received 2021-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I just recieved my credit report and I noticed unauthorized inquiries they shouldn't be on my credit report. I never tried to open up any accounts with these companies.
Consumer complaint received 2020-02-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2020, ,Continued Issues, ,I also Heard That ( Mr XXXX XXXX ) was Fired Last. Week At That Wells Fargo Bank So What Is Company Doing About That Problem And Every thing else, ,So UnAcceptable He Stole From Me And. Some of Customers At The Company, ,So UnProfessional and So UnAcceptable!!, ,So What Is The Company Doing About It ( NOW )!! And Also Went To Get Cash At The Bank on about The 5 or 6, ,At The Wells Fargo Bank at XXXX XXXX XXXX , ,In XXXX XXXX NC , XXXX, One Of The Bankers was Very Rude, ,And UnProfessional To Me She Was A Older Woman, ,I Forgot Her Name But She Has Blonde Hair And Wear Glass, ,So UnProfessional!
Consumer complaint received 2022-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

This is a formal complaint against Transworld System Inc located in XXXX XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Transworld System Inc has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

i am distressed and was taking advantage of due to mild practice while several laws were being broken under the FCRA by your company. this has caused me financial injury and defamation of character your company failures to positively verify information reported has hurt my ability to obtain credit, employment, and a home.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

i am XXXX and was taking advantage of due to mild practice while several laws were being broken under the FCRA by your company. this has caused me financial injury and defamation of character your company failures to positively verify information reported has hurt my ability to obtain credit, employment, and a home.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting. 

I am humbly requesting that XXXX XXXX XXXX with a reported balance of {$3900.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account. 
It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user.
Consumer complaint received 2023-07-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (PA)

Chase is trying to collect on an old debt that isnt mine! They didnt following the banking laws which i won a settlement which was agreed upon to not collect on a debt i do not owe from XXXX. I made it clear before and still will to this day!
Consumer complaint received 2022-09-27
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. (AL)

In accordance with the Fair Credit Reporting act. The list of accounts below was violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 items 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 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX - XXXX Reporting inaccurate information. This is a FCRA violation. I was Never late on XXXX, XXXX or XX/XX/XXXX or anytime!!!!!!!!! This account has always been deferred/suspended. This is an error. XXXX is aware of the error and told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I did just that and for months no correction. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 30-90 days late. XXXX nor the credit bureaus have not provided me any proof Ive asked for validating why they are reporting wrong information.
Consumer complaint received 2021-08-29
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. (PA)

I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/year> I made a XXXX figure deposit into my checking account at chase. I was advised when I made the deposit that there would be a hold on check until XX/XX/year>. I called the bank on several occasions that the hold could be lifted and that I had to call back and Everytime I did I got nowhere. I advised that they could call XXXX first bc I had proof that the funds had been taken from the account but I think I am being jerked around. Now I want the account closed and they can not because the check is on hold. Well if the money is not at chase why can't they close my account.
Consumer complaint received 2017-03-30
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: BAM Financial, LLC (FL)

West & Associates, a company in XXXX, California posing as a collecting agency for XXXX, collected money I owed XXXX bank but did not pay this money to XXXX bank. XXXX bank denied West & Associates was their collecting agency.
Consumer complaint received 2021-05-16
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. (LA)

My credit score went from XXXX to XXXX, with no cause. Now I am seeing XXXX XXXX with old bills dated as far back as 2009, I have repeatedly tried to speak with them. Because they think I don't know what I am talking about they refuse to take me serious. Those negative accounts should be taken off my credit report because there is no validity in them. I have yet to receive anything in writing about the reporting agency and the credit bureaus are ignoring my letters and keep sending me credit report that has a lot of jumble nonsense to go through with no intentions of removing the negative reporting agency.
Consumer complaint received 2023-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (NC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc. (TX)

On XX/XX/XXXX, my vehicle was stolen from outside my old apartment complex ( XXXX XXXX XXXX  ). The complex refused to take any action or ensure my safety & completely stripped me of my livelihood. My vehicle was broken into a month prior on their property & the lease I had signed with them stated that they must take security measures & they never did. They lied about having security. So, I ended my lease with them early & moved out. After moving out, I was the one who cleaned the entire apartment & found someone to take over the rest of my lease. They moved in the beginning of XX/XX/XXXX. I paid the remaining days of my lease & the days they had not moved in yet & the complex said it would be all good to go after that. Fast forward to XXXX. The apartment is now trying collect remaining rent and utility payments after someone else already moved in & took over. I had disputed this through XXXX, explained the situation & sent an entire word document with proof that the complex knew someone else moved in & took over the remainder of my lease. XXXX removed the collection from my credit & I thought everything was taken care of. In XXXX of XXXX, the collection was placed back onto my credit report. XXXX said this happened because the confirmed with the collection agency that the debt was correct. The debt is not correct & everything was taken care of. Carter-Young Inc. was very unprofessional, they called & harasses my boyfriend at his previous place of work multiple times & used derogatory language with my mom over the phone as well. The debt amount they are trying to collect is for XXXX of XXXX, months past me living there. I paid what I needed to & found someone else to take over the rent & payments. I moved out XX/XX/XXXX & had everything taken care of. This debt is not correct & it was also happening in the middle of Covid.