davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (TX)

I contacted the company, I reported to police department, sent in police report with report number, call credit bureaus and the credit bureaus continue to report it on my report. I received a letter from XXXX  credit company stating they could not put a a block on my report. The account was fraud and I would like for someone to assist me with this. My information was stolen along with banking information. I mailed copies of all necessary paperwork to all bureaus. XXXX XXXX and Northstrom accounts were open.
Consumer complaint received 2019-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

XXXX XX/XX/XXXX I tried to start an online payment setup with Specialized Loan Servicing. I had been paying my mortgage through my bank 's online check payment service. I was unable to get set up. 

I received a notice that my payments were behind but I had been making payments all along. I attempted to speak to someone about this and was told they didn't show any of my payments in their system. I contacted my bank ( XXXX ) and they showed all the payments had been made and processed ( monies withdrawn ). 

During this process I realized I had missed one payment in XXXX of XXXX but all other payments had been paid. They indicated I had missed 7 payments but my banking shows otherwise. I tried multiple times to speak with someone and was bullied and yelled at. My XXXX and XXXX payments have been returned to my bank account. I find that odd that they didn't receive payments but could return payments made electronically in the same way the other payments were made! 

We have faxed and emailed two separate times proof of the payments made. I received a notification afterward that I needed to pay over {$5000.00} to get my account caught up. 

They have not done anything to adjust the account to show payments I can prove. They just continue to bully me when I call in. 

I am making 3 payments - the one missed in XXXX and the two that were returned for XXXX and XXXX. I am at a loss as to what to do next. They only threaten foreclosure. I don't wish that to happen and have made every effort to work this out through normal channels.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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


Account name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (TX)

Amcol Systems is reporting an amount of {$140.00} owed for a medical bill to XXXX XXXX XXXX XXXX. I'm getting weekly updates from XXXX   indicating that Amcol Systems is updating the reported debt by increasing even though the debt has been paid in full. Have indicated to both XXXX and Amcol that this has been paid and provided proof. Amcol is repeatedly breaking the law and is committing fraud by trying to collect a debt they know to be not owed.
Consumer complaint received 2019-10-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (VA)

On XX/XX/XXXX, I was informed by a lender with whom I was attempting to refinance my mortgage that there was a negative mark on my credit report. Specifically, and entry was made on my credit report that a collection was reported for {$730.00} by Medicredit , Inc. on XX/XX/XXXX. This came as a surprise as in XX/XX/XXXX I had received a credit score in excess of 800 with no  negative marks. 
I called Medicredit who informed me that the debt was in relation to a visit to XXXX XXXX XXXX   Hospital in XXXX or XXXX of XXXX. I did not recall ever receiving any such bill for the visit in XXXX, and so I asked Medicredit what address the bill was sent to. I was told that it was sent to an address that I last lived in XXXX of XXXX. A simple XXXX search will show my current address and so it is clear that no attempt was made to confirm the address or else I would have received notice of the collection activity. I received none. In fact, I to date still have not seen a bill for the service. This seems to be a clear example of debt " parking '' on behalf of Medicredit and XXXX XXXX XXXX Hospital. Medicredit said if I would pay the bill over the phone and then dispute the issue with the credit reporting agency that they would confirm that they had sent the bill to the incorrect address. 
I paid the amount owed over the phone ( despite still not having received a bill ), and filed disputes with all three major reporting agencies. I have since received results that they have simply updated my report to show that the amount was paid in full, but the collection activity remains. I've been able to make contact on the phone with at least one agency ( XXXX  ) who confirmed that they did not actually investigate my claim that I never received a bill, but instead brought the dispute to conclusion when they saw the amount was paid in full. It is clear that this must be the case with the other two as well. 
For the record, I do not believe that I had ever been to XXXX XXXX XXXX Hospital ever before the visit at the end of XXXX. I recall filling out several forms that included my current address. I had been a patient at XXXX XXXX XXXX XXXX in the XXXX time frame, and assume that the billing department at XXXX simply used the old address that was in the system for my years earlier visit to XXXX XXXX XXXX rather than the updated address information that I provided to the receptionist in XXXX on my visit to XXXX XXXX  Hospital. 
I am now having difficulty in receiving credit from mortgage providers as I attempt to refinance.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried to refinance my car today XX/XX/19 and I was told that I was unable to do so at this time because there are some accounts reflecting badly on my credit report. I took a look at the accounts and none of them are mine. I did not open any of these accounts I never allowed anyone to open them in my name or with my personal information. I don't know who these accounts belong to but I never benefitted anything from them being open in my name such as money, goods, services or any other benefit. I do not have any relationship/contract with any of these companies and I never authorized them to access my credit nor personal information. I have already filed a police report regarding these unauthorized accounts.
Consumer complaint received 2019-10-04
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. (VA)

On XX/XX/XXXX, I was informed by a lender with whom I was attempting to refinance my mortgage that there was a negative mark on my credit report. Specifically, and entry was made on my credit report that a collection was reported for {$730.00} by XXXX , XXXX on XX/XX/XXXX. This came as a surprise as in XX/XX/XXXX I had received a credit score in excess of 800 with no negative marks. 
I called XXXX who informed me that the debt was in relation to a visit to XXXX XXXX XXXX Hospital in XXXX or XXXX of XXXX. I did not recall ever receiving any such bill for the visit in XXXX, and so I asked XXXX what address the bill was sent to. I was told that it was sent to an address that I last lived in XXXX of XXXX. A simple XXXX search will show my current address and so it is clear that no attempt was made to confirm the address or else I would have received notice of the collection activity. I received none. In fact, I to date still have not seen a bill for the service. This seems to be a clear example of debt " parking '' on behalf of XXXX and XXXX XXXX XXXX  Hospital. XXXX said if I would pay the bill over the phone and then dispute the issue with the credit reporting agency that they would confirm that they had sent the bill to the incorrect address. 
I paid the amount owed over the phone ( despite still not having received a bill ), and filed disputes with all three major reporting agencies. I have since received results that they have simply updated my report to show that the amount was paid in full, but the collection activity remains. I've been able to make contact on the phone with at least one agency ( XXXX ) who confirmed that they did not actually investigate my claim that I never received a bill, but instead brought the dispute to conclusion when they saw the amount was paid in full. It is clear that this must be the case with the other two as well. 
For the record, I do not believe that I had ever been to XXXX XXXX XXXX Hospital ever before the visit at the end of XXXX. I recall filling out several forms that included my current address. I had been a patient at XXXX XXXX Hospital XXXX in the XXXX time frame, and assume that the billing department at XXXX simply used the old address that was in the system for my years earlier visit to XXXX Hospital XXXX rather than the updated address information that I provided to the receptionist in XXXX on my visit to XXXX XXXX   Hospital. 
I am now having difficulty in receiving credit from mortgage providers as I attempt to refinance.
Consumer complaint received 2019-10-04
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. (VA)

On XX/XX/XXXX, I was informed by a lender with whom I was attempting to refinance my mortgage that there was a negative mark on my credit report. Specifically, and entry was made on my credit report that a collection was reported for {$730.00} by XXXX , XXXX on XX/XX/XXXX. This came as a surprise as in XX/XX/XXXX I had received a credit score in excess of 800 with no negative marks. 
I called XXXX who informed me that the debt was in relation to a visit to XXXX XXXX XXXX Hospital in XXXX or XXXX of XXXX. I did not recall ever receiving any such bill for the visit in XXXX, and so I asked XXXX what address the bill was sent to. I was told that it was sent to an address that I last lived in XXXX of XXXX. A simple XXXX search will show my current address and so it is clear that no attempt was made to confirm the address or else I would have received notice of the collection activity. I received none. In fact, I to date still have not seen a bill for the service. This seems to be a clear example of debt " parking '' on behalf of XXXX and XXXX XXXX XXXX Hospital. XXXX said if I would pay the bill over the phone and then dispute the issue with the credit reporting agency that they would confirm that they had sent the bill to the incorrect address. 
I paid the amount owed over the phone ( despite still not having received a bill ), and filed disputes with all three major reporting agencies. I have since received results that they have simply updated my report to show that the amount was paid in full, but the collection activity remains. I've been able to make contact on the phone with at least one agency ( XXXX ) who confirmed that they did not actually investigate my claim that I never received a bill, but instead brought the dispute to conclusion when they saw the amount was paid in full. It is clear that this must be the case with the other two as well. 
For the record, I do not believe that I had ever been to XXXX XXXX XXXX Hospital ever before the visit at the end of XXXX. I recall filling out several forms that included my current address. I had been a patient at XXXX XXXX Hospital XXXX in the XXXX time frame, and assume that the billing department at XXXX simply used the old address that was in the system for my years earlier visit to XXXX Hospital XXXX rather than the updated address information that I provided to the receptionist in XXXX on my visit to XXXX XXXX   Hospital. 
I am now having difficulty in receiving credit from mortgage providers as I attempt to refinance.
Consumer complaint received 2023-01-18
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. (GA)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I tried to refinance my car today XX/XX/19 and I was told that I was unable to do so at this time because there are some accounts reflecting badly on my credit report. I took a look at the accounts and none of them are mine. I did not open any of these accounts I never allowed anyone to open them in my name or with my personal information. I don't know who these accounts belong to but I never benefitted anything from them being open in my name such as money, goods, services or any other benefit. I do not have any relationship/contract with any of these companies and I never authorized them to access my credit nor personal information. I have already filed a police report regarding these unauthorized accounts.
Consumer complaint received 2018-12-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Equifax is report incorrect information on my credit report. The payment history for XXXX XXXX XXXX account is in correct. I am requesting that you deleted all XXXX XXXX   XXXX account.
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (GA)

One of our company credit cards was stolen. The x-employee charged over {$7000.00} in personal items until we found out what was going on. I reported the fraud to Amex. I was told the fraudulent charges would be removed and it would be " investigated ''. I called many times over a period of over 3 months. Amex decided that although the card was used fraudulently, and the man was convicted of fraud by local police for taking this card and shopping with it, and the man is in prison because of this, they decided they would not remove the charges or the interest accruing over these months on the amount, and that we must pay for all of the fraudulent charges. The reason given was that this employee had been given the card previously and authorized to use it to put gas in a vehicle for company use. Any previous authorized use was authorized, and paid. Not the same thing as stealing it and identity theft, for which he has been convicted. These charges are fraud, and under the terms Amex states for it's cards, any fraudulent charges will be removed.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (IA)

XX/XX/19 I have purchased a pre paid card from XXXX in XXXX Iowa. I put {$40.00} on the card at XXXX. I went to activate it and it wouldnt work so I call the helpline and tried it through a XXXX ( the employee ) she said she couldnt help me Im not eligible for the card. So I asked why and she couldnt tell me. So I asked for the Superviser and finally a male came on and told me I wasnt eligible Because I had a card previously With them and it had suspicious activities on it and that made me not eligible. So I asked how can they sell pre paid cards to the public if some are eligible and some arent. That doesnt make any sense. Thats what prepaid cards are for. The man told me there is nothing more they can do for me and I will receive a check in 7 to 10 business days..
Consumer complaint received 2020-09-15
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: Experian Information Solutions Inc. (IL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-10-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (FL)

I rented a trailer from XXXX XXXX trailer park 3 years ago and when I moved in the trailer was in disrepair already. I lived there for approximately one year and during this time my trailer deteriorated to the point that my toilet was falling through the floor, my roof was severely leaking, there was raw sewage in my backyard and toxic mold in my A.C. The landlords, XXXX and XXXX XXXX then began to harass and stalk me. They parked their car outside my trailer and sat there for hours and when I went outside they mocked me because my husband had left me and they threatened me. I moved out of the trailer in XXXX of 2016 when I could no longer safely live there due to the condition of the trailer they refused to repair and due to the stalking and harassment from management. After I left, XXXX XXXX reported that I owed them for repairs and other various untrue charges totaling {$3400.00}. They used a debt collection agency called XXXX XXXX XXXX in XXXX, FL to attempt to collect this debt that I do not owe. I attempted to dispute this debt with XXXX XXXX XXXX but they said they are standing by their client and refused to remove the debt from my credit report. My family is now homeless and can not move into a place until this debt is removed from my credit report. XXXX XXXX is managed by slumlords and should be condemned. I have contacted the health department and will continue to pursue legal action against both XXXX XXXX and XXXX XXXX XXXX if this false debt is not removed from my credit report immediately. My family has a right to pain and suffering compensation that will include the full amount of time that they have attempted to ruin my credit and harrass me. I have video, picture and documented evidence of the deplorable conditions at XXXX XXXX and also witnesses who will testify on my behalf. This is my final attempt to resolve this matter before I take legal action against them. Thank you for your help.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.