davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Telerecovery Corporation (LA)

I went to get a tooth pulled from XXXX XXXX of Louisiana. I received services and paid in full. Starting immediately after this visit an aggressive " follow up '' campaign began of weekly calls and texts stating I needed to make additional appointments for cleanings and such. I did make 2 additional appointments. Both times I PAID IN FULL!! The " follow up '' campaign continued for some time after that. Skip ahead to XX/XX/2021 I noticed a collection on my reports. I tried calling them to explain they had made a mistake that I had paid in full for ALL of my visits, they did not return my calls. I went into the office and this is when I discovered I wasn't in collection for failing to pay for services rendered, I was in collections because of a " missed appointment fee '' of {$75.00}. Long story short I reluctantly agreed to pay this bill because they said they would remove it. I paid it on the spot. XX/XX/2021. I waited a month and still no removal. I called the dental office and they stated again they would get it removed. I then disputed through equifax that I had paid this bill and its still reported as unpaid. The collection company " Tele Recovery of Louisiana '' told equifax that it was still unpaid! Even after a month of it already being paid! Is it even legal to put someone in collections over a debt they didn't know about? XXXX claimed to send invoices to an address I no longer lived at. Neither of these two entities bothered to call me and let me know I even owed this debt, before putting me into collections, even after all the harassing calls to make appointments. I am XXXX years old and have worked all my life to finally get to a place where I had a spotless credit report and this all seems malicious in its intent. Can you even be put into collections over a " missed appointment fee ''?
Consumer complaint received 2021-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

Recently i got scammed for the total amount of {$500.00}, that was sometime in XXXX/XXXX. I filed a claim and got reimbursed for it via credit. Recently, like last week i noticed that the temporary credit was reversed not due to any foreshadow or any sort of email stating " Hey, you know that credit we issued a couple of months ago, we're going to go ahead take that back, thank you ''. Literally i woke up the next day and {$200.00} ( the initial credit ) was reversed. So i called Wells Fargo asking them to reverse this credit. Keep in mind something similar like this happened last week it was also another credit that got reversed for absolutely no reason at all and i was able to talk to the rep for Wells Fargo and she looked on why the credit was reversed and was able to determine that there was no reason at all for why the credit was reversed. So she looked into the Credit and was able to issue me back my funds within a couple of hours. God bless her. So again fast forward to that next week and again this happened once more. As stated earlier i called in but was unable to get a re-issue of funds like last time. Instead i was greeted with " we were able to determine it was a 3rd party app '' So when someone gets scammed and you guys issue me a credit and since so much time has passed I.E 2-3 months ago while i was going through everyday not even remembering the credit. Literally out of nowhere, with no hindsight i got XXXX deducted from my account via reversal of credit.
Consumer complaint received 2020-09-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (TX)

XX/XX/2020, a final inspection was processed reflecting 100 % completion to the property for damage due to smoke and water. MidAmerica Mortgage has yet to release the balance of insurance claim funds held in the amount of {$22000.00}. Numerous calls and emails have been made to their customer svc dept, loss draft dept, and to the president ; however, no one knows why the funds have not be released or when they will be released. They are in violation of Texas Insurance Code.
Consumer complaint received 2020-09-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I'm writing you because I have been scammed by the realtor, inspector, lawyer, on a property that was to be move in ready. Roof leaks, molded, electric issues, no running water in winter months, furnace is broken. There was an escrow account set no account where did the money go? This a hud loan. The lawyer is refusing to help us. Need help can not fix and pay for the house. Please
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, Equifax and XXXX XXXX desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-08
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)

I was advised to contact you regarding items on my credit that are not mine. I went to get a loan from my credit union and they was only able to approve me for a small amount due to items on my credit that are not mine. I have been with this credit union for 8 years and even have my car with them. Please have the items removed from my credit The accounts im talking about are XXXX XXXX XXXX, XXXX and XXXX/XXXX. I have reached out to the FTC and my local police department.
Consumer complaint received 2023-01-28
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. (HI)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX To Whom It May Concern : I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681 Section 609 ( a ) ( 1 ) ( A ) you are required by federal to verify- throuth the physical verification of the original signed consumer contract any and all accounts you must on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX XXXX XXXXXXXX XXXX XXXX Late Payment XXXXXXXX XXXX  XXXX # XXXX XXXX XXXXExperican # XXXX XXXX XXXXXXXX XXXX  Experican # XXXX
Consumer complaint received 2021-04-25
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: TD BANK US HOLDING COMPANY (OH)

XX/XX/2020 I completed a CFPB report against TD for inaccurate information and reporting on my credit report. The issues still arises. Here is a list of the complaints CFPB Complaint # XXXX ( the " First Complaint '' ) CFPB Complaint # XXXX ( the " Second Complaint '' ) CFPB Complaint # XXXX ( the " Third Complaint '' ) The issues is the incorrect reporting on my credit and violating many FCRA laws. FCRA states, " FCRA violation is when a creditor posts late payments or charge offs after the debt has charged off a past due balance. According to the document from TD the debt was taken care of XX/XX/2020. The upldated credit report from XX/XX/2020 displays TD has reported charge offs for the month of XXXX, XXXX, XXXX, and XXXX of 2020. Which is a direct violation since the charge off was paid XX/XX/2020. The attached credit report and dispute results from experian will display such. Acording to FCRA, the information must be deleted due to its blatent inaccuracy and violation of FCRA 623 ( a ). Legal and monetary rememdies can be obtained under FCRA. The incorrect information has affected me in the home buying process and getting other loans for my business. I have attached my current credit report, dispute details that denied my dispute, and FCRA full law handbook for TD 's reference.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - THIS IS NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX THIS IS NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 



XXXX XXXX XXXX XXXX, FL XXXX- NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- NOT MY ADDRESS XXXX XXXX XXXX XXXX - NOT MY EMPLOYER ( XXXX ) XXXX - not my number ( XXXX ) XXXX - not my number XXXX XXXX XXXX not my name XXXX XXXX- not my name XXXX XXXX XXXX- not my name XXXX XXXX XXXX XXXX- not my name XXXX XXXX XXXX - XXXX - THE DATE OF LAST PAYMENT IS DIFERENT IN ALL THREE CREDIT AGENCIES, REMOVE LATE PAYMENTS. 


XXXX XXXX - XXXX - this account does not belong to me XXXX XXXX - XXXX - this creditor does not own this account. 



XXXX XXXX- XXXX - I was never late on this account. 



XXXX XXXX  - XXXX - paid, never late. 



XXXX XXXX XXXX XXXX - please send me the docs that prove that I was ever late. 



XXXX XXXX XXXX XXXX XXXX - XXXX - remove due to inaccuracy - I never paid late. 


XXXX XXXX - XXXX - Unverified and illegal reporting, remove immediately XXXX XXXX - XXXX - Account listed twice so this is The Double Jeopardy, This is unlawful reporting and unless I can see your proof, this must be removed immediately. 






XXXX XXXX
Consumer complaint received 2021-02-23
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. (NY)

Under 15 U.S. Code 1681b ( 2 ) - Permissible Purposes of Consumer Reports ( a ) In General Subject to subjection ( c ) any consumer reperting agency may furnish a consumer report under the following circumstaces and NO OTHER : ( 2 ) In accordance with written instructions of the consumer to whom it relates. 
I XXXX XXXX NEVER gave XXXX any wriiten consent to report anything on my consumer report. I will attached a copy of the law with this letter. Concerning the accounts listed above I demand late payments be removed. No consent is Identity theft.
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA (CA)

On XX/XX/XXXX, a credit from a flight was posted on my credit card account - {$45.00}. I could not understand where this credit was coming from therefore I contacted First National Bank to inquire about it. I was assured it was coming from the merchant. I contacted the merchant to make sure the flight hadn't been cancelled and the merchant assured me they did not issue any credits. The type of credit card product I have with XXXX is a travel credit card that includes a {$100.00} travel credit for travel incidentals. I inquired with the bank if the credit could be from those funds and I was told by XXXX that the XXXX XXXX XXXX ( XXXX ) did not match a transaction that would trigger those credits.

Later in the year, when I complained as to why the credits were not being posted on the account, I was told by the bank that the {$45.00} was actually from the previously mentioned pool of credits and that all the allowed {$100.00} were credited on the account. This is completely unacceptable and misleading. On the last correspondence from the bank, XXXX acknowledges bank error and providing misleading information, yet refuses to correct it.
Consumer complaint received 2021-02-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (AZ)

Online Information Services, a debt collection agency, is trying to collect a disputed debt which I have a written letter for same. The original debt was for doctor consult while I was in the hospital getting emergency XXXX. I have on 5 occasions sent the correct billing information and called XXXX XXXXXXXX XXXX XXXX a/k/a XXXX XXXX with the correct insurance information and they have never submitted it to the insurance company, XXXX XXXX XXXX XXXX, Nevada. The debt collection agency refuses to cease collection activity. This is against FDCPA regulations because this is a " disputed '' debt.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX XXXX XXXX I am including it again., XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (NM)

Debt collection company is trying to collect a old debt that is passed its statute of limitations time period. It was already disputed and taken off my credit file which I believe was XXXX. Which I believe makes the debt fraudulent if further pursued. Collection agency threatened if debt is not paid it will result on my credit file again which was already disputed and taken off my file about XXXX months ago roughly. The debt dates are also inaccurate stated the debt was XXXX/XXXX/2018, Realistically the debt dates are inaccurate and passed the 7 year statute of limitations, debt amount is : {$310.00} XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ID XXXX XXXX
Consumer complaint received 2021-09-14
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. (MD)

I have contacted Equifax MONTHLY since XX/XX/2021 and have NEVER received a response. There is a medical collection on my report, but the information provided does not advise who the collection company is, nor who the original provider is. I do not recognize the amount and therefore have no idea who ( or if ) I owe. 

My understanding is that the bureaus are obligated to report with 100 % accuracy, and this collection is far from that.
Consumer complaint received 2020-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mid-South Adjustment Co., Inc. (AR)

the debt was a medical debt that occured on XX/XX/XXXX XXXX. the amount was for {$67.00} cents. i did not know that i had to pay this because i thought the V.A would cover the bill that`s the reason i did not pay it. it was on XX/XX/2020 the bill was turn over to collections the collection company names mid-south adjustments com on XX/XX/2020. 
I called mid south co to say i wanted to pay the bill in full would they take the collection off my credit report? the person said no then i asked to speak with a supervisor with authorty to remove collection off my report. I talk with them they said no they could not remove the collection off my credit report. they could only say paid in full but not remove. I then called the office ( XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX that the bill originated from and talked to a supervisor with authorty to removed the collection also told them i would pay them directly at their office if they could removed the collection from my credit report they also said no. i told them i wanted to pay the debt in full {$67.00} cents if they could please remove it from my report. VETERANS ADMIN IS WHO I THOUGHT WAS SUPPOSE TO PAY THE BILL.
Consumer complaint received 2020-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I opened up a claim with wellsfargo bank XX/XX/2020 and filed a police report because I had some transactions on my account that I was not aware of. The representative that I spoke with was so disrespectful. I expressed to her I had just done XXXX not even 24 hours and I might sound a bit dazed out because of the medication but I know for a fact the charges that are in question is not authorized by me. I knew from her attitude and the way she was talking she was insinuating that it was me. She kept asking How would someone know your pin I said you just told me that the charges werent pin authorized and my PIN number is the last 4 of my social. I am not sure where I lost the card or where it was taken from because I was staying at a recovery home with strangers. I got no follow up on the claim I called several times later that day I got to someone who said the claim didnt go in my favor. I asked them how did you do a thorough investigation in the matter of days. What evidence do you have that states that the charges were authorized this is insane I need my money and I need to see the work that was done I had a almost {$3000.00} charge on my card and your telling me you came to the conclusion that it was me because they didnt empty the account this is XXXX. I told them I need them to open back up the case and do a real investigation and dont give me that XXXX. They told me it was final and they couldnt open the case back up and I had to take it as a lost and put me on hold just to hang up on me. I desperately searched for someone who I could talk to and I talk to someone on the customer complaint line who helped me but I still didnt get a call back from anyone I still had over XXXX $ in this account. I got a letter today stating that they are shutting down my account so you didnt do an investigation and you are closing me out of my account just so you dont have to pay me back my money this is by far the worst bank I have ever banked with people stay away I am really looking to take legal actions towards them I know {$2800.00} is not that much but it a lot for me especially since I stand in the hot sun XXXX XXXX all day I work hard for my money. I wasnt treated fairly at all my money is suppose to be secure so if a Tragedy like this happen I would expect my bank to back me up and investigate properly I have text messages that I replied back No to stop the transaction its not me people stay away take your money else where its not worth the headache I will not stop until I get my money back. This is the second time Wells Fargo had wronged me years ago they shut down my account for no reason and 3 years later they sent me a letter apologizing saying it was an error and no fraud was found on my account and I can open a new account after they made my life a living XXXX because I was obviously flagged with other banks because of them.