davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (NY)

I received medical services from XXXX XXXX XXXX on XX/XX/2019. I was charged a total of XXXX ( my co-pay/co-insurance ) after my insurance plan paid and processed the claim. I paid in installments. A balance of XXXX was paid in XXXX. Check number XXXX was cashed on XX/XX/2019 by XXXX XXXX. 

On XX/XX/2019, I received a voicemail message from debt collector, Balanced Healthcare Receivables ( XXXX ) regarding a debt. I also received a letter the week of XX/XX/2019 requesting payment in the amount of XXXX. I then received more calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/2019, I called and spoke to XXXX in XXXX XXXXXXXX XXXX Legal Department-XXXX or XXXX. She confirmed a balance of XXXX on the account. I informed her of the XXXX call from the debt collector and requested a letter in writing regarding the account and that Balance Healthcare should be contacted regarding said balance. She stated a letter will be sent and should be received in about 14 business days. On XX/XX/2019, I spoke to XXXX re : letter that was not received and my conversation with XXXX on XXXX and the additional calls made by the collector. She said to wait until XXXX to receive the letter. I leave a voicemail message for XXXX. 

On XX/XX/XXXX, I called and spoke to XXXX again. I am more than frustrated now. I reminded her of our conversation on XXXX and all of the above. I clearly state that I am now being harassed for a debt that was paid. She claims that the letter will be mailed on XX/XX/XXXX and that it should be received in 5 days. On XX/XX/XXXX, XXXX, of Balanced Healthcare Receivables ( XXXX ) leaves another voicemail message regarding her attempt to collect a debt!!
Consumer complaint received 2017-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (PA)

Being under state care my emergency room bill was paid at XXXX XXXX XXXX Hospital of XXXX and verified by myself and hospital. I sent in proof multiple times and even once had actually drove to the hospital and had the billing department call. They just ignored all of this never responded to any letters and now added the charge to my credit report and keep adding a dollar increase. This is a second and possible third violation this company is performing. I disputed with the credit bureau but feel they need to stop hurting other people with illegal tactics. This is ongoing since XX/XX/XXXX and hospital bills doctors are all clear I suffered a XXXX XXXX in XX/XX/XXXX so this bill is so wrong. They now are claiming XXXX and keeps going up. Wakefield and Associated which has numerous complaints all attempts to call them ended in them hanging up pretty much saying someone would look into it and obviously never did.
Consumer complaint received 2021-09-06
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)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused a big stress on my life. I have attached just a few of the letters that I have been sending but there are more that have went unanswered.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On a recent report TransUnion out old married name as new name which is incorrect and you also have XXXX XXXX on reports as a alias which is false iam XXXX XXXX not a male and also you have XXXX as zip which is false it has been XXXX alit if inaccurate info you are hurting my credit over and over
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I recently placed a security freeze on my credit. 

I signed up with TransUnion and was charged {$5.00}. 

The very next morning, I received a wholly misleading email from TransUnion that clearly made it look like I had signed up for monthly credit monitoring. ( An image is attached ) In big type, it said : TransUnion Credit Monitoring. Thank you for signing up! Yes, show me my credit ( This last part was on a large orange button ) Only below, in very small type does it make clear this is an offer to sign up for monthly, billed credit monitoring. 

I am a savvy consumer, and the presentation/wording of the email was so misleading, I actually wondered if I had accidentally signed up. I 'm certain others are fooled. 

TransUnion needs to stop this shady and misleading advertising. ( The fact that they are marketing this at people who froze their credit -- likely because they are the victims of some kind of credit fraud already -- is unconscionable. Please make them stop. 
I also do not believe that I opted in to receive marketing emails.
Consumer complaint received 2017-08-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

XXXX XXXX credit card not receiving statement for month of XXXX 2017, which was paid within the 30 days and they are showing 30 days late negative on my credit reports. I have always been on time with my payments
Consumer complaint received 2017-08-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX two accounts were fraudulently opened online in my name at Wells Fargo. The SSN used to commit this fraud matched mine but the Drivers license did not match and the email address originating the request was not the one the bank has on file for my account. Even so the bank opened the accounts!! The accounts have since been closed and after weeks of stress and inconvenience I have changed all of my accounts, direct deposits, email etc. that were in jeopardy as a result of the fraud. The bank also emailed me a notice identifying all my direct deposit information and account numbers as a " reminder '' to switch them to the new accounts I had to open, Making me further vulnerable since the type of fraud I experienced was an online take over! Wells Fargo 's on line practices for opening new accounts are irresponsible in this day of hightened on line fraud and clearly do not protect their customer. It is a sharp contrast to their in branch practice where you have to present picture ID to open an account. My husband XXXX XXXXy XXXX XXXX, in XXXX I went into my local branch to remove his name and add my daughters to my accounts. In order to accomplish this my XXXX daughters had to appear in the branch WITH me and PHOTO ID. It was n't acceptable for one of my daughters to go to her local branch. This took some coordination to have the three of us come in together but I understood it was a safeguard. Why do they handle there on line business so casually when the risk for fraud is so much higher!! I wrote to XXXX XXXX ( Wells Fargo CEO ) about my experience and concerns on XXXX XXXX and received a response on XXXX XXXX from a research/remediation associate. It was clear they did not understand my complaint, and that it will not affect change in there policies. The most ridiculous part was there response to sending my full account numbers and direct deposit information in an email. They blamed the direct deposit originators ( social secrity, my pension and my healthcare reimbursement account ) for putting the information in the merchant details. Wells Fargo cleary was wrong in sending such an email, I did not request it nor need it. The letter did not acknowledge any wrong doing on the part of the bank, it felt patronizing. The way the fraud came to my attention was a call from the XXXX fraud unit because my XXXX with them was used to fund the checking account that was opened. When a second attempt was made, this time to open a savings account, it raised a red flag for XXXX and they contacted me. Thank goodness for XXXX fraud unit, Wells Fargo did n't even care that the Drivers License did n't match and it was n't my email address. When I take a breather from all of this upheavel I will change banks. It is n't necessary for you to forward my email to Wells Fargo, I do n't think they will care. My complaint is for the purpose of adding my voice to others who may have spoken up.
Consumer complaint received 2017-08-20
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. (FL)

I recently received an alert on my credit and it appeared to be an account I was unaware of. I am sending this message in regards to the account showing that I opened up a new account on XXXX XXXX, 2017. It is impossible to place an account on my credit file, it is a fraudulent action by your company. I was never contacted by anyone nor did I allow anyone to use my credit without my consent. Now I am seeking a civil case towards your company including Equifax. I did not apply for new credit. It is impossible to own an account after a month so you can remove this account for good. I do n't have any clue where this account came from. You are committing a fraudulent crime. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2021-06-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have been calling and calling Equifax explaining that the account from XXXX XXXX XXXX does not belong to me. I have never done any type of business with them and have no clue how they got access to my information. Please delete this account and the inquires on the identity theft report. Someone has accessed my personal information and keep trying to open accounts and I don't understand how!!!!
Consumer complaint received 2021-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

I disputed XXXX accounts with Experian for a note loan with account number XXXX with credit limit of XXXX from XXXX and an unsecured loan with account number XXXX with a credit limit of XXXX from XXXX XXXX. I informed Experiean that I have no knowledge of either account, Still Experian claimed that the information that is being reported is accurate adding first the comment " Account was in dispute - now resolved - reported by XXXX '' and after I disputed the account again they added " Unpaid balance reported as a loss by credit XXXX '' to my credit file. Both accounts have a opening date of XX/XX/2015 and a last payment date of XX/XX/2015 yet according to the information being reported the same account shows " OK '' in XXXX, XXXX and XXXX of 2015. This same information was dispute and deleted from both XXXX and XXXX. Nonetheless, this information is being reported is inaccurate.
Consumer complaint received 2017-08-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ZARVAD III S.A. (LA)

I have been dealing with this company for the last past 8 months. I received XXXX dollars from them back in XXXX of this year. Since then, they have been taking XXXX dollars every two weeks out of my paycheck. I have calculated they have taken almost 5000 dollars from me and this needs to stop. I have fallen behind on all my bills due to this. Please help.
Consumer complaint received 2017-08-21
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. (CA)

The account was the responsibility of my former spouse XXXX XXXX XXXX XXXX XXXX ), she is responsible per the court order dated XXXX XXXX 2015 Superior Court of California , County of XXXX, Judgement Case number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ( Any and all remaining balance to XXXX XXXX Card ending in XXXX ) is the SOLE responsibility of XXXX XXXX. The Judge order states : '' Any and all remaining balance to the XXXX XXXX Card ending in XXXX and any and all debts incurred by her, Defendant, after the date of separation. This order is a matter of public record and I have provided by mail copies of such to Experian, XXXX and XXXX. The reporting credit bureau. refuse to remove this collection from my credit report. As an employee on a XXXX XXXX I must pass security clearance checks.This is a serious threat to my continued employment. Please help. I can provide copies of the judgment upon request.
Consumer complaint received 2017-09-01
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. (AL)

There is incorrect information on my Experian credit report as follows : 1 ) XXXX XXXX XXXX reporting a debt that I have no contract or knowledge of and is not verified. 

2 ) expired inquiry still reporting XXXX inquiry date : XX/XX/XXXX supppsed expiration : XX/XX/XXXX XXXX XXXX XXXX 3 ) expired inquiry still reporting XXXX inquiry date : XX/XX/XXXX supposed expiration : XX/XX/XXXX XXXX Thank you for your assistance in this matter.
Consumer complaint received 2017-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Management Services, LP (IN)

Capital Management Services , LP was hired by XXXX XXXX XXXX XXXX XXXX to collection on a {$390.00} debt owed. On XX/XX/XXXX, I entered into a settlement agreement with capital management Services , LP and paid them $ XXXX- the check was cashed on XX/XX/XXXX. 

I am requesting that Capital Management Services, update their records with XXXX XXXX XXXX XXXX XXXX in order for XXXX 's to correct the information on my credit report with the three major Credit Bureaus- XXXX XXXX and XXXX.
Consumer complaint received 2019-10-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (ME)

Company mailed letter asking for me to settle debt. I am on XXXX benefits from the VA and social security. Also letters have been mailed to me via incorrect address, therefore involving a third party.
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are several discrepancies that are showing on my credit report that and five by student loan 's. Each credit report is showing a different amount I need all of them to reflect the lowest amount and I 'm also requesting not Verification but validation.
Consumer complaint received 2017-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I do not know the source of information due to this but the contract for the collection that was place from XXXX XXXX XXXX XXXX which was turn over from ( XXXX XXXX XXXX ) Acct # XXXX in the amount of {$2000.00} is not my account. I have never had an contract with the collection agency and I have requested documents to be sent to me stating that something was signed and no document has been sent to me. The only thing I keep receiving is a letter stating " the dispute has been verified and updated '' but with what documents? '' I have tried to make contact with XXXX thru letters, phone calls and certified mail and no one has been able to assist me.
Consumer complaint received 2020-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have been having trouble getting an account reported correctly. I disputed the account and each time the investigation says that the item is correct but the amounts owed are changing by {$1.00} every day for the past few days until finally, it has dropped my score by 8 pts. It was updated on XX/XX/XXXX, which dropped my score 8 pts, then updated twice on XX/XX/XXXX, which didn't change my score but dropped the balance owed by {$1.00} and then again today ( XX/XX/XXXX ) it was updated and dropped my score another 8 pts. All of these actions were taken on my XXXX  report. This account I disputed was on a secured card. I paid {$3000.00} down on this card. My balance shows {$2800.00}, but they are stating they charged off {$120.00}, which they didn't. The account was closed because I lost my job and couldn't pay and the balance due was under my credit limit at the time. I closed the account myself and the credit card company is reporting that they closed it on me. Not true. Plus I do not owe money to these people. They have yet to send me proof that I have asked for to validate the debt. I have disputed it several times. I want this resolved.
Consumer complaint received 2017-08-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (LA)

I began repayment of a private co-signed student loan on XX/XX/XXXX in the original amount of {$16000.00}. As of today, XX/XX/XXXX, I have paid a total of {$21000.00} with {$8600.00} allocated to principal and {$12000.00} allocated to interest. However, {$13000.00} was added to my principal in the form of capitalized interest. My present balance on the loan is {$15000.00}.
{$470.00} is the only amount out of my {$21000.00} worth of payments that has been used to pay off my loan.
Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (AZ)

I have always had excellent credit. 
Since the 2006 housing market crash banks have been chiseling away at all low interest cards. I had all fixed rate cards at 7-9 % interest. They have all converted to variable rate cards ( NOT BY CHOICE ). Same card numbers and now at 16-19 %. 
My credit score was only lowered because Obama 's bank bail out changed how credit scores are done. 
With the current covid issue the banks have not even stepped up to lower rates, I had already called all of my credit card companies and was able to reduce interest by 4 % for 6 months, before the covid issue, but have to call them every 6 months to have the reduction redone and then it takes a month to kick in and then repeat every 6 months.
Consumer complaint received 2017-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (IL)

MY EX DAUGHTER IN LAW CHARGED MY DISCOVER CREDIT CARD WITHOUT MY AUTHORIZATION OR KNOWLEDGE TO {$3900.00} WORTH OF CREDIT CARD CHARGES WHILE I WAS IN XXXX ON HOTEL ROOMS AND FLIGHTS FROM XXXX XXXX TO NEW YORK FROM XX/XX/XXXX-XX/XX/XXXX ON XX/XX/XXXX MY DISCOVER CARED WAS CHARGED {$2000.00} FOR XXXX XXXX XXXX XXXXXXXX XXXX XXXX. THE NAME OF THE RESERVATION WAS : XX/XX/XXXX WITH MY HOME ADDRESS ( XXXX XXXX XXXXXX/XX/XXXX ... ). THERE WAS TWO HOTEL GUESTS : XXXX XXXX XXXX XXXX XXXX. THEY STAYED FROM WED XX/XX/XXXX TO SUNDAY XX/XX/XXXX ( HAVE HER FALSELY SIGNING MY NAME WITH HER PERSONAL INFORMATION ( HER PHONE NUMBER & HER EMAIL ADDRESS ON THE DOCUMENT TO XXXX XXXX. XXXX PHONE : XXXX SHE ALSO CHARGED MY CREDIT CARD FOR XXXX XXXX XXXX TICKETS FOR BOTH THOSE UNKNOWN INDIVIDUALS ( XXXX XXXX XXXX XXXX XXXX ) FROM WEDNESDAY XX/XX/XXXX-SUNDAY XX/XX/XXXX - FROM XXXX TO XXXX XXXX, CONFIRMATION : XXXX. JXXXX XXXX  PHONE : XXXX MY SON DISCOVERED THIS INFORMATION THIS YEAR WHEN HE WAS ABLE TO LOG INTO HER EMAIL ADDRESS THRU XXXX AND FOUND OUT MY CREDIT CARD WAS FRAUDULENTLY CHARGED. ALSO, AT THE SAME TIME IN XX/XX/XXXX, I WAS IN XXXX. I CAN PROVIDE DETAILS OF MY TRIP. I INFORMED DISCOVER CARD, AND THEY DENIED THE FRAUD HAD BEEN COMMITTED, EVEN THOUGH, I HAVE BEEN A LOYAL CUSTOMER FOR MANY MANY YEARS AND I HAVE THE INFORMATION INDICATING THAT MY EX DAUGHTER IN LAW COMMITTED FRAUD ( SIGNATURES AND APPROVAL INFO ). THE TOTAL OF CHARGES STEMMING FROM THE FRAUD WERE {$3900.00}