davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: State Collection Service, Inc. (WI)

In XX/XX/XXXX my XXXX, Dr. XXXX, assigned me to monthly XXXX  sessions with a licenced certified XXXX, XXXX XXXX, at the University of XXXX  XXXX XXXX XXXX. I was insured by XXXX XXXX XXXX XXXX Insurance Company. 
In XX/XX/XXXX I became eligible for Medicare. I chose XXXX XXXX XXXX XXXX for my Medicare supplemental insurance. 
In XX/XX/XXXX, unbeknown to me, Medicare refused to cover my XXXX sessions because, I later found, Ms. XXXX did not have an XXXX. or XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX did not inform of this. In addition, XXXX XXXX XXXX XXXX supplemental insurance had refused to pay 20 % of my coverage because, they claimed, Medicare would not pay the 80 %. I was not informed of this either. 
Nor did XXXX XXXX XXXX XXXX XXXX inform me that, as of XX/XX/XXXX, the price of XXXX visits with Ms. XXXX increased from {$220.00} per visit to {$350.00}, a 65 % increase. 
When I finally understood what happened, I requested that XXXX XXXX XXXX XXXX XXXX assign to me a XXXX XXXX who was qualified under Medicare. By this time my bill was {$2700.00}. XXXX XXXX claimed that their organization did not have the capacity to inform Medicare patients about the necessary requirements under Medicare for service reimbursement. Nor did they notify me of the 65 % price increase, knowledge that would have helped me make an informed choice for an alternative, less costly service provider and avoid debt. 
I also pointed out to them inconsistencies in the attached billing record. For example, from XX/XX/XXXX to XX/XX/XXXX a XXXX  visit cost {$340.00}. In contrast, from XX/XX/XXXX to XX/XX/XXXX a XXXX visit cost {$220.00}. Then a reversal. On XX/XX/XXXX a XXXX visit cost {$340.00} and on XX/XX/XXXX it cost {$350.00}. The billing department could not explain this, nor did they assume any responsibility for it. 
Last, I am under qualified for partial financial assistance through the XXXX XXXX XXXX because I own my own home. I found that one nearly needs to be a pauper for financial assistance. They denied any responsibility for the untoward chain of events and flatly refused to negotiate an equitable resolution. 
On XX/XX/XXXX, my medical bill was referred to XXXX XXXX XXXX XXXX in XXXX, WI. I contacted and explained everything to them, but they too refused to fairly negotiate a resolution or allow any monthly payment plan. I was told that the entire amount was due in a lump sum. It was suggested that I should take out a second mortgage on my home to pay this debt. I was told that if I did not comply with their terms, the entire bill would go on my credit record and they would continue to seek reimbursement. 
My credit record has been above average for many years, and, at my age, it means everything to me. I hope to replace my thirty-year ARM to a fixed mortgage loan in the future but will not be able to do so under this burden. 
Can you please help me?
Consumer complaint received 2019-08-22
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. (MN)

I am a victim of identity theft and a victim of the XX/XX/XXXX Equifax data breach. The following accounts and credit inquiries are all fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX/XXXX XXXX, XX/XX/XXXX , XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. These fraudulent accounts and credit inquiries are from my personal information being compromised from the Equifax data breach in XX/XX/XXXX.
Consumer complaint received 2022-05-03
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. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In XXXX of 2022, I was at a store near me when someone asked me to use my phone. I didnt think anything of it but after leaving the store had realized someone zelled {$3000.00} to themselves using my device. I immediately filed a police report and contacted Bank of America who told me they would submit a claim. My claim was denied and they told me to reopen it they would need a copy of the police report. I sent over a copy of the report and yet again my claim was denied. I reached out to Bank of America numerous times since then for them to keep telling me they would reopen the claim under something new and each time my claim was denied. They have since closed my account for what they call a business decision and Im still out {$3000.00}
Consumer complaint received 2021-06-25
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: ENCORE CAPITAL GROUP INC. (MA)

I got these accounts that does not belong to me and i want it to be remove from the XXXX credit report agencies. 

1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft MIDLANDCRE Account XXXX : XXXX This is not mine. 

5. Identity Theft COLLECTION Account XXXX : XXXX This is not mine.
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (RI)

I submitted a letter to the XXXX Credit Bureaus on XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXXXXXX Balance : {$160000.00} XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}
Consumer complaint received 2016-03-03
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (IN)

i got a phone call from someone stateing i was chosesn to recive a government grand and could recieve it though western union. all i had to do was send a deposit for my money to have a hold and would get the money bk with the grant so i send the money waiting to get a tracking number then was told to call another number for the federal reserve bank. i call them and they want me to send more money i said no and i wanted the money bk from which ive already sent they say they cant do that because it has all ready been processed. i dnt know wat to do to get my money bk now.
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have contacted each bureau by certified mail to have proof of verified debt. I ahve not received any response back verifying the debt belongs to me. Here are the items : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX ( 5 accounts )
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC (TX)

I nave recenty found on my credit report the presence C several inquires as entries separate from their corresponding accounts. These inquires duplicate inaccurately the information in my file. The inquiry entries should be deleted or at least merged into the accounts to which they belong Under the provisions of the Fair Credit Reporting Act 15 USC Section 1681i, please reinvestigate and delete these disputed items, and send me the names and addresses of persons contacted. Under 15 USC Section 1681i ( 5 ) ( A ), you are allowed thirty days from receipt of The purpose of this credit repair letter to complete these actions, unless you immediately notify me otherwise. Please understand that failure to re-verify these items within this time constitutes non-verification, and the items must be promptly deleted as per Section 1681i ( a ).

Also, according to 15 USC Section 1681i ( D ) of the Fair Credit Reporting Act, please notify me when the items have been deleted, and send an updated copy of my credit iport to the address below.

There should be no charge for notification of changes on my credit report, pursuant to 15 USC section 1681j, of the Fair Credit Reporting Act.

I appreciate your assistance with this matter.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TD BANK US HOLDING COMPANY (AZ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states the consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

XXXX
Consumer complaint received 2022-05-03
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. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am sending this complaint today to request your assistance in investigating and resolving alleged identity theft items that have appeared on my credit report by Credit Bureaus. I believe that I have been a victim of identity theft, and I would like these fraudulent items to be thoroughly investigated and, if found to be inaccurate or unverifiable, promptly removed from my credit file. To provide relevant details, I would like to explain the situation and present the necessary information for the investigation : 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 XXXX XXXX
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (NV)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, and Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : Inquiries ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2024-03-04
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. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-01
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. (CA)

Last XX/XX/2018 I mailed a letter to this credit bureau requesting investigation on several accounts including accounts from XXXX XXXX and XXXX. However nothing seems to have been done. For my XXXX XXXX account XXXX, there has been fraudulent charges applied on the account. I sent XXXX XXXX copies of my FTC and Police report and send this credit bureau a letter an a copy of the FTC and Police report and they failed to delete the account and violated FCRA 605B. The XXXX account is also reporting incorrect balance and and status investigation still shows in progress per credit report I downloaded XX/XX/2018.
Consumer complaint received 2020-11-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

Greetings Sir/ Madam I am trying to repair my house, which caught on fire due to lighting in XXXX XX/XX/2020. I received a check in XXXX in which I knew it would not cover the damages. But the Insurance sent out the minimum and the mortgage company and I signed it. However, I got a Public Adjuster and got a litter more money. And XXXX XXXX at Quicken loan been given me a hard time since. She said I didn't tell her I was receiving more money. I didn't know. And I still don't know if I am receiving more money. However, when I sent the 2nd check for the loan mortgage to sign it took a month for her sign it. And she didn't even send enough to pay the Public Adjuster and the the new contractors I hired. Because the first check I used to fix the roof, floors, front and back door. However, I sent them the contract license they kept harasing about. Because I sent a permit at first.. I live in HOA and you can not do any kind of work without a permit. A permit have the contract license on it.. I didn't understand what she was talking about or about the process. Nevertheless, when I started preparing for a lawyer. And I emailed the company, then she reached out and said she explained everything to me. And I will need an inspection. I did an virtual inspection a week ago. And sent all the contract license. And now they asking for another one. And they told me they will give a call in about 4 days. And that past. My house is not livable. I have not lived in my house since XXXX. My contractor is waiting for the permit for drywall to be put up. It should be here any day now, but I won't have all the funds, including the funds to install the AC, appliances and some Plumbing, Etc. My Insurance company already threaten me that they will not give me an extension on my living situation again. And quicken loan know this. And Quicken Loan mortgage company continue try to strew and harass me.. And they just just sent a second letter saying we paid your insurance which had triple. But they can't send my money to fix my house. In which I am not living in at the moment. And my mortgage continues to go up at year. And the last settlement check was for STORM DAMAGE, a previous settlement I was never paid. Quicken Loan is a fraud just like the my Insurance Company. However, I would like my financial paperwork investigated too. Because my Escrow account should not be negative every year. I am a XXXX  XXXX  XXXX  veteran I should not be paying taxes. 

PS : I also Have the emails I have to scan them.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

CAPITAL ONE ACCOUNT OPEDED XX/XX/XXXX, CLOSED XX/XX/XXXX. I HAVE A CURRENT CAPITAL ONE ACCOUNT THAT STAYS CURRENT. THIS OLD ACCOUNT NEEDS TO DROP OFF CREDIT REPORT
Consumer complaint received 2018-10-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (FL)

So basically I had a loan for a car from Exeter Finance and the car was repossessed on XX/XX/XXXX. I had stopped making payments in either XXXX or XXXX of XXXX, they report it as XX/XX/XXXX. This company consistently adds and removes this account from my credit report and then changes the status of the account. It was recently reported to XXXX on XX/XX/XXXX as a delinquent account. this is a repossession and a charged off closed account. Every time they take this off my credit nothing happens to my score but when they re-add with payments being delinquent or missed payments it reduces my score significantly. I have been working vigorously on my credit the last 6 months and I would have easily worked out something with them, but no longer because they are doing this to cause intentional harm to me.
Consumer complaint received 2021-06-25
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 — Problem with personal statement of dispute
Company: Affirm Holdings, Inc (PA)

During the beginning of the national COVID pandemic, I had an already booked trip through Affirm loan ( Booked through XXXX ). Travel was cancelled, lockdown began, we were not allowed to leave our house let alone TRAVEL. I was forced to cancel the Affirm loan but was unable to and it was suggested to reach XXXX and airline to get refund. 

As you know, during this unprecedented time, their phone lines were busy most days, companies were understaffed and it took weeks for me to reach a human to get support on this. 

Finally, after calling hours a day and reaching out on social media, I was able to reach XXXX and the airline to get Affirm refunded. I owed Affirm {$0.00} on that loan, as it was completely cancelled and refunded. 

I noticed a few months later that Affirm reported the payment as late. 

I reached out through phone and through social media as well as disputed the information through the credit bureaus. I even asked for a goodwill adjustment due to the forbearance programs the government offered during the lockdown/pandemic and each time this was denied by Affirm. 

Given the circumstances of the pandemic, the fact that I got them fully refunded, the fact that I am a loyal ( timely ) Affirm customer even still and more importantly the forbearance program regulations, I am disgusted out how they have responded to this. 

To my knowledge, the forbearance program through COVID states that no late payments are to be reported to the credit bureaus during the program/COVID.
Consumer complaint received 2018-08-01
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. (AL)

XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (WA)

I received a text from XXXX, " Equifax noticed that your scores dropped by 46 pints on XX/XX/XXXX and must be confirmed or disputed by today here XXXX ''. This is a phishing attempt.
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (NY)

I have tried reaching Barclays Card for weeks to settle on a charged off credit card. I went through hundreds of thousands in financial losses over the past three years, but I am taking responsibility and reaching out to the charged off accounts. Accordingly, since the Barclays phone lines do not answer, I am making a settlement of {$2000.00} payable in three payments, {$700.00}, {$700.00} and {$600.00} respectively. I can make my first payment immediately. XXXX XXXX