davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (NY)

I have a medical debt listed on my credit reports as of XX/XX/XXXX.
I do believe that this medical bill was paid by my health insurance which I have had prior to this time.
As of XX/XX/XXXX, theres a 180-day waiting period before unpaid medical debts can show up on peoples credit reports.
This debt was placed on my credit report as of XX/XX/XXXX. I was never informed or sent a bill by the hospital of a pending medical bill no less in the amount of XXXX. 
I have never received any information or a verification of this debt. 
I am living on XXXX and if this debt was verified I would have made an arrangement to pay it. As a person living on XXXX my life depends on my credit.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Please see attached documentation Ive dealt with pain and suffering from not being approved for many things because of these errors on my report. 
I do not consent to E-Oscar facilitating my report I need a human being researching my report there are ALOT OF ERRORS and with ANY ERRORS OR INACCURACIES COMES REMOVAL NOT UPDATE BUT REMOVAL!
Consumer complaint received 2020-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

XX/XX/XXXX hurricane took out well pump. By XXXX, still without utilites so we had to break lease due to inability to have running water for two months. Landlord agreed and accepted us moving, even gave great  refrence when called by new landlord XX/XX/XXXX to do a reference check. 
Had a XXXX balance to company as of XX/XX/XXXX. 

XX/XX/XXXX landlord went behind us and submitted a false claim of debt owed to credit companies. He did not go through courts, nor has he returned any text message over the past three years attempting to find out what this was about.

Tried disputing but no avail.
Consumer complaint received 2015-10-13
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO. (FL)

In XXXX I received a letter in the mail from Ford. The letter contained my lease account number, make, model, year and balance of my current leased vehicle. The letter also had an offer from Ford - in large letters : Enjoy new. NowBuy or lease a new vehicle with Ford Credit and Ford will make up XXXX payments on your car lease. XXXX See letter from Ford attached ) Based on this letter, I went to Ford and turned in my car 3 months early, leased a new Ford and financed through Ford credit. The payments on my XX/XX/XXXX Escape were {$240.00} ; payment on my new lease vehicle, a XX/XX/XXXX Escape is {$570.00}. 
At time of purchase I asked about the {$740.00} due to me from Ford. I was told by finance at Ford XXXX that since I had already paid all my lease payments in advance Ford would issue a refund check ; that never happened. I have made over a dozen calls to Ford Credit, XXXX XXXX and the Ford dealership and all they do is point fingers that it was someone else 's responsibility, not their department. On XXXX separate occasions, and by XXXX different people I was told the check was in the mail, it never came! 
Last week the sales manager for the Ford dealership I purchased the car from told me he was equally as frustrated with Ford and even their dealership could not get to the correct person or get any consistent answers. I am about to make my third car payment, now I am told not to expect Ford to live up to their commitment to me. 
I purchased this vehicle solely based on the Marketing letter of early termination from Ford. I have been cheated and mislead by Fords false and misleading advertising.
Consumer complaint received 2022-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX XXXX. I have noticed an incorrect and unauthorized item appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: RoundPoint Mortgage Servicing LLC (NY)

Hi i have a mortgage and i was in forbearance for a few months and I tried paying every month but i see i have late payments on my credit report. I am trying to refinanced and I can't because they said i have to many late payments on my report but I wasn't supposed to have late payments on my report from a forbearance. please help me get all these late payments off
Consumer complaint received 2015-04-02
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Received free credit report from Transunion XXXX. Paid {$1.00} by credit card to get XXXX score. They took credit card and began billing me for credit monitoring which I had not requested. Very difficult to cancel program with no refund.
Consumer complaint received 2022-02-07
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. (CA)

My name is XXXX XXXX XXXX. I have noticed an incorrect and unauthorized item appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately
Consumer complaint received 2015-03-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NJ)

I received correspondence from Equifax dated XXXX XXXX, and XXXX XXXX, 2015 with XXXX different confirmation numbers and different result outcomes. 

Confirmation XXXX Basically states that Account # XXXX The results are : This information was duplicated, and therefore it has been deleted. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX FL XXXX Confirmation XXXX Basically states this Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX FL XXXX So I need to know what are the actual results????
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-02-07
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. (FL)

I had applied for a COVID Forebeance with XXXX and was approved from XX/XX/XXXX to XX/XX/XXXX. However, My credit report now reflects, as of XX/XX/XXXX, that I am delinquent more than 60 days. I also receieved paperwork stating that my loan was sold and to date have not gotten any information as to where payments are to be made. Can someone please assist.
Consumer complaint received 2017-03-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CO)

I unfortunately had trouble with my home insurance company that required lawyers to be involved in order to get the appropriate payout for the hail damage to my home. We ended up settling out of court and the check that was intended to pay my lawyer fees, public adjuster, and damages is not being endorsed by my mortgage companies Loss Draft Processing Center. They are hoping to deposit ( and hold in trust ) my check that is supposed to pay my lawyers, public adjuster, my painting contractor ( about XXXX worth of painting expenses ), and the remainder which is to reimburse myself for repairs that I have already paid for. The amount of money that should involve my mortgage company is under the amount that should even involve the loss draft department. This process is beyond obstructive and beyond the scope that they should have authority over. I am in need of repaying myself for repairs I paid for out of pocket and I have lawyers and professionals the need to be paid. If this check was portioned differently from the beginning I would have been able to have the check endorsed at my local bank branch. I 'm at a loss and I 'm concerned that I will not be able to have my money released from my bank.
Consumer complaint received 2018-03-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (WI)

I had used my credit card for many years. paid monthly. faithfully the minimum due. Health issues and lack of employment was not allowing me to make the minimum monthly payments anymore. i tried to call them and get them to understand i could no longer pay the bill. they stopped contacting me and suddenly i am now facing a Court Hearing regarding the debt. i still have no real income and have no idea how i can pay any of the debt. i paid for many years the minimum payment and honestly ... the minimum due paid mostly interest on the debt .... with about {$20.00} going toward the actual debt of the credit card. I am not certain if you can help me. but i am going to be asking for a 30 day extension on the court hearing, so i can better prepare for the case.

PLEASE NOTE : The attorneys for the company keep reassigning the case to a different attorney in the firm. and when i do try to contact them, the only reply I receive from the attorneys office is from an outside ( non involved ) paralegal. Nothing ever gets resolved.
Consumer complaint received 2017-04-30
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. (IL)

I currently have a debt which is n't in my name and it is now adversely affecting m y credit score.  According to  XXXX   XXXX   XXXX   XXXX  collection agency, a man by the name of  XXXX   XXXX  owes {$140.00}. My name is not  XXXX   XXXX . I am not responsible for this debt because it is not mine. I explained this to them. Since then, my  credit score  has dropped drastically by over a  XXXX  points. I am currently in process of obtaining a mortgage loan. This can and will adversely limit what types of loans I qualify for, as well as increase the down payment amount required which puts a great deal of stress into the experience. I was told by this collection agency that in order to dispute this bill which is not in my name, I had to go through the individual credit bureaus. I have made multiple attempts to contact all three credit bureaus now and am getting no human interaction ; the system is generally automated. Please help me expedite this process so that I may have a fair and equal opportunity to purchase my first home, you 're my only hope ...
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

My Equifax File has outdated and incorrerct information. 
The accounts that are in question are as followed and for the reasons stated. 
1 : XXXX XXXX XXXX this account was closed and charged off XX/XX/XXXX, the statue to report negitive infomation of account has elasped as XXXX/XXXX/XXXX. 
2 : XXXX XXXX This account was charged off and sold XX/XX/XXXX 3 : XXXX XXXX XXXX. This company bought this charged off account from XXXX in XX/XX/XXXX and change date as the date open XX/XX/XXXX which this collection company would have more time to collect which I dispute this account and all the dates. 
4 : XXXX XXXX. This account has been charged off XX/XX/XXXX and the staute has elapsed for reporting this account on my report.
Consumer complaint received 2016-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (OK)

Usually once a year or so my cell phone company, XXXX, says I have a past due amount. I get turned into collections for a debt that is n't really owed. This is n't the first time this has happened. My XXXX XXXX app just updated my score and it dropped about XXXX points because of this.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). 

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question 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 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 2019-02-22
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NY)

I ALWAYS KEEP RECEIVING THESE BELOW EMAIL. LOOKS LIKE THIS EMAIL IS EITHER COMING FROM XXXX OR XXXX OR SOME OTHER FOREIGN COUNTRY, I AM NOT SURE, I AM GUESSING IT IS FROM FOREIGN COUNTRY BASED ON THE FORMAT OF THE EMAIL ADDRESS. PLEASE LOOK AT THE FORMAT OF THIS SENDERS EMAIL ADDRESS. PLEASE DO SOME RESEARCH AND INVESTIGATION AND TAKE THE FRAUDS INTO YOUR CUSTODY SO THAT THEY DON'T MISLEAD INNOCENT VICTIMS. THANKS. 

THIS IS THE EMAIL I RECEIVED WITH SOME ATTACHMENT, I DIDN'T OPEN THE ATTACHMENT : - ________________________________________ From : XXXX XXXX XXXX Sent : Thursday, XX/XX/2019 XXXX XXXX To : XXXX XXXX Subject : RELEASE OF FUNDS REF : DIRECTIVES ON FUND RELEASE Dear Sir, My name is XXXX XXXX, Chief Financial officer at the PNC XXXX services group.I am writing to bring to your notice that we have received instructions from the Bureau of Fiscal Service 's United State Treasury to process the transfer of your funds to you. 

Consequently, to enable us commence further processing of your transfer you are required to fill the attached Funds Processing FORM " M '' and send back to me for further action.The form should be legibly filled in your hand writing and returned back by attachment.You are also to forward a copy of your Identification, which could be either your drivers license or International Passport. 

Upon the receipt of the attachment you shall be advised further.Please, quote Security Ref : XXXX as subject of your email to me. I may also be reached on XXXX Regards XXXX XXXX Chief Financial Officer PNC  Financial Services Group XXXX
Consumer complaint received 2015-07-20
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Weltman, Weinberg & Reis Co., L.P.A. (IL)

XXXX BANK ONCE AGAIN IS IN VIOLATION OF FDCPA AND TCPA ETC ... HAS SUBMITTED UNLAWFUL LAWSUITS TO US AND HAS ONCE AGAIN AUTHORIZED COLLECTION AGENCIS TO HARASS US. THIS DEBT BELONGS TO XXXX XXXX XXXX, XXXX AND EX FAMILY MEMBER.
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed the inaccurate info about the judgement, case # XXXX, with XXXX and Transunion. Both stated the info was correct. However, as noted on the reports XXXX is showing a Paid/Satified date of XXXX and Transunion shows a Paid date of XXXX/XXXX/2013 I have included the excerpts of my credit reports showing how these accounts are reporting
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OH)

I just had a collection account from 2013 show up on my credit report from some first federal credit and collection. this would have been include in my XXXX ch XXXX discharge. but I want it taken off my report since they just put it on my report 3 years later if it is not deleted of my credit report I will be seeking legal action against first federal credit and collection
Consumer complaint received 2022-02-07
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. (IL)

Unauthorized inquiries on my account I have a case for that was never resolved and it has been well over 30 days XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Transunion promised to look into the investigation for me, but I still have not been updated, they are well aware that it has been more then 30days, but they are not taking any steps in my defense to resolve the issue. The additional inquiries has negatively affected my potential loans in the previous months and I want justiceI talked to the bankers who also said they would send notice of a inquiry to transunion for the removal on behalf but nothing has changed.
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I paid my Tax Lien that was filed by the state of California and the lien has been released for several years now. I contacted the state office and asked them how to remove the lien of my credit but they keep referring me to the XXXX credit bureaus. I ha e filed a disput with all XXXX credit reporting agencies several time but they will not remove the released lien. The credit agencies keep telling I have to contact the state. I feel like I 'm going in circles and can not find a solution. 

Please helpThank you, XXXX XXXX
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Funding LLC was awarded a judgement against me ( XXXX County Court/NJ Docket # XXXX ). The judgement was from a debt back in XX/XX/XXXX, I satisfied this debt in accordance with said judgement in XX/XX/XXXX. I moved shortly thereafter and the address on file ( XXXX XXXX XXXX XXXX NJ ) was outdated. There was no mail correspondence forwarded to my new primary residence ( XXXX XXXX XXXX XXXX XXXX, NJ XXXX ) so I never received the documentation ( Warrant of Release ) required by law in order to file with the court to have this judgment reflect " satisfied/closed ''. I am in the process of getting final approval for a mortgage and need to correct the status of the judgement in question with the court prior to closing. I have reached out multiple times to Midland Funding LLC and have received varying answers from " they show it was mailed '', " they do not provide copies '', " in my state they don't file the warrant with the court that the debtor has to '', and " they did what they had to do with the court ''. The last one is inaccurate because my last call was to the actual court and they informed me Midland Funding did not in fact file any warrant with the court in regards to the judgement being satisfied. I find it extremely unprofessional that nobody is on the same page and can not provide proper guidance and required documents.