davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

Contacted a representative on XX/XX/XXXX regarding a letter received about a bill previously paid more than 2.5 years earlier. Informed rep bill from XX/XX/XXXX was paid in full on XX/XX/XXXX, confirmed by their records. Asked for explanation why adjustment was made on account that created new balance as of XX/XX/XXXX. Rep could not explain, advised to contact insurance. I stated wanted to dispute balance while reviewing with insurance, rep said to send letter but I declined as the letter received stated could call to dispute. Rep stated she would note file, then Rep disconnected call. Received new letter and contacted again on XX/XX/XXXX. Reviewed entire situation again with " XXXX ''. She advised I would need to send EOB showing balance paid, after I asked for explanation why there is a balance after it was paid 2.5 years ago. She could not answer, became patronizing, then hung up the call without providing requested information. 
HRRG continues to call daily despite efforts to inform them this is an administrative issue where I have the documentation that the bill was paid over 2 years ago.
Consumer complaint received 2020-11-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2019-03-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (IL)

I have an outstanding debt with XXXX for {$120.00}. This is incorrect and they told me I was given XXXX cable boxes initially, but I was only given XXXX. I did not pay this as it was not something I truly owed. Since that time this debt has gone through XXXX separate companies. It is currently with Diversified Consultant. They have called my partner and asked for me. They are calling me multiple times per day. Always from a different number with an XXXX area code. They have called from XXXX, XXXX, XXXX, etc. I have not answered these calls as they are typically during business hours. I am a physician and these calls occur as I'm seeing patients and are very disruptive.
Consumer complaint received 2019-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Mortgage lender adjusted estimated amount needed for escrow-did not provide one-time payment option. Mortgage lender did not timely process the request for escrow removal from the account. Mortgage lender then treated timely auto-payment as insufficient and did not apply to principle and interest of loan. Despite having been contacted via telephone by borrower claimed payment received over 30-days late to credit agency.
Consumer complaint received 2021-05-03
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: Experian Information Solutions Inc. (FL)

I recently check my credit from experian.com and i notice a few fraudulent accounts on my credit report. I do not normally check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web thats why i was worried about my credit. Also, i was affected by the XXXX breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached it with my drivers license.
Consumer complaint received 2021-05-03
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. (TX)

EQUIFAX was notified by mail and fax on XX/XX/XXXX - of IDENTIFY THEFT AND FRAUD activity. EQUIFAX violated FCRA regulations and my rights as a consumer. I was told they needed more information to close an account that was opened while an active ID theft alert is on my credit report. Equifax stated my original documents ( police report ) were deleted. 

My social security number has been compromised. I am a victim of Identity Theft ORIGINALLY REPORTED and announced to all credit reporting bureaus as of XXXX. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following company XXXX XXXX was notified in XXXX that I have not done business with them or opened an account. The account was removed and now in XXXX a new account shows up as opened in XXXX. The following account does not belong to me and is a result of fraud that I did not authorize : XXXX XXXX - not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA XXXX ( XXXX XXXX. & XXXX XXXX ) which states that this account must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX offered a personal line of credit with a XXXX limit. I accepted the offer and have followed their terms and conditions. My balance was {$2000.00} as of end of XXXX, which I paid off during XXXX, the balance since XX/XX/XXXX has been XXXX XXXX has reported my credit limit to be XXXX even thought it remains XXXX, they also reported on XX/XX/XXXX that my current outstanding balance remains at XXXX. 

I have requested twice that the credit limit of XXXX be reported to the credit bureaus and they refuse saying that it is their policy not to report any credit lines, and they are not governed by financial law as they are a financial tech company, thus are able to report what they wish and it does not have to be accurate information. 

They also stated that they used a total of all loans to report the total balance of XXXX, but only the total of XXXX loan to report the maximum balance during the account lifetime, and again said because they are a financial tech company they do not have to follow normal credit reporting law and they can use different sources of information to determine what they wish to report to the credit bureaus. 

I provided copies of a credit line paperwork to the XXXX credit bureaus showing the XXXX credit limit and they refused to update my credit file.
Consumer complaint received 2021-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I am filing this complaint because my rights as a consumer have been violated under the FCRA because I have not heard anything from this company in 90 days regarding my disputes and I have sent two dispute letters requesting a debt validation to PRO COLLECT and all they sent me is a template response
Consumer complaint received 2021-10-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MI)

On XX/XX/XXXX, I was a victing of a Hacker. 

The Hacker was able to access to my cellphone and attempted to transfer money from my bank account to an a Coinbase account. 

- First transfer was of XXXX $ - Second transfer was of XXXX $ Both transfers were made XX/XX/XXXX between XXXX XXXX. 

When I was alerted of the danger the morning of on XX/XX/XXXX, I declined the two transfers with my bank and after that I tried to contact Coinbase to alerted them that my Coinbase account has been hacked, I explained to them throught emails that someone from Coinbase made two unathorized transactions to my checking account and I lost the access to my Coinbase account. 

My first email to Coinbase was XX/XX/XXXX at XXXX I only have received from Coinbase automatic emails as response. 

On my Coinbase account last time I had access I had a balance of aproximatly XXXX $ I've been sending more than 20-30 emails to Coinbase support during all this months. 
After 4 months, on XXXX they helped me to recover my account and I was able to gain access. My assets of XXXX $ disappear and now they say that I owe to Coinbase a debt of XXXX $ for reversal transactions with my bank. 

They say that they understand my situation but that I'm responsible for the security of my devices and they are closing the case. 

I'm not only losing my assets of aproximatly XXXX $ they are asking me for Coinbase 's losses due to a criminal action.
Consumer complaint received 2019-08-21
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)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2021-02-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC (AL)

In response to my Complaints this past Spring in connection with the fraudulence arising from my previous landlord 's efforts to extort me and the willful complicity of XXXX XXXX XXXXXXXX in those efforts, the merchant is now alleging that I owe {$1900.00} on my closed XXXX XXXX XXXX  and has forwarded a fraudulent debt in that amount to Credit Control LLC for collection.
Consumer complaint received 2023-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXXamount {$570.00} collection.My report include accounts with a reported name that is different that mine.I dont recognize the account in question.The reports shows I owed money to an account that is not mine.The current status of my account is not correct.
Consumer complaint received 2021-09-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

I have contacted this company numerous time no reply... I have XXXX credit and they are sending me mail stating I owe them for a XXXX XXXX I pay for everything up front .. Ive wrote them 5 times asking them to send me proof no reply this is not acceptable. I never received to explanation only a collection letter that's it in the amount of {$280.00} collection agency CONVERGENT OUTSOURCING INC # XXXX COVERGENT ACCT # XXXX
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A collection account was added to my Transunion credit report on XXXX/XXXX/XXXX. By collection company called XXXX for the amount of {$1600.00}. A debt that has already been paid for by my insurance company back in XXXX. Placing the account at a zero balance. Although this account has been paid. The collection agency keeps reselling the account. Causing it to repair on my credit report. It is unlawful for a credit reporting agency to report inaccurate information on a consumer credit report. Ive contacted Transunion on numerous occasions regarding ths matter. Not only were their dispute department representatives rude. But they refuse to help me get this issue resolved resulting in me filing a complaint with your agency. The account was originally handled by XXXX XXXX who later sold the paid medical account to XXXX.
Consumer complaint received 2023-07-27
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 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
Consumer complaint received 2021-10-26
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. (AZ)

My name is XXXX XXXX, my identity got stolen. You should blocked the information in the file that I've mentioned. I am submitting the copy of my ID, an Identity theft report and a notarized identity theft affidavit.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (MD)

I received an email from NETSPEND regarding a debit card or prepaid card that I didn't apply for. My email was compromised and I have been receiving fraudulent messages from my providers as well as someone trying to get COVID funds in my name from unemployment.
Consumer complaint received 2019-08-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On the XXXX of XXXX, our wallet was stolen which included our Bank of American credit cards. The theifs went in-store at XXXX XXXX and purchases goods for {$500.00}. 
We reported the cards as stolen and this transaction as fraudulent within 1 hour of the purchase. This was done via phone with several phone calls over the next few days to confirm the cards where cancelled. 
Additionally, the card was used for several other purchases that have been refunded. 
However, Bank of America is refusing to refund the {$500.00} purchase as they claim the card was present at purchase and a signature was used. Which is, of course, correct because the wallet was stolen. This means that the signature was forged and the merchant did not check. 
From your site, I can see that because we alerted Bank of American within 48 hours we should only be liable for {$50.00}. 
Bank of America is refusing to abide by this and is still charging us the {$500.00} even after several attempts to resolve this matter.
Consumer complaint received 2021-05-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

I lived in these apartments for over 3 years. I notified them that due to repeated robberies & my apartment being broken into, and also their failure to make adequate repairs that I was moving at the end of my lease. They contacted me about rent after I moved out & after they received the 30 day notice at the end of my lease. They didn't dispute this when talked with them directly. They sent me no notice of any debt and just sent it straight to a collection agency and put it on my credit reports. This information is not correct, I owe them nothing and trying to have the know collections agency removed this has gotten no where. The only verification they sent was regarding the lease, which shows I moved out at the end of the lease, so do not owe rent. Rent was paid thru the last month.
Consumer complaint received 2018-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Account was closed due to fraud activity per bank of america, Check was deposit into account & funds was never withdrawn from the account and when check was returned, account was closed. Was made aware the account was overdrawn in the amount of {$64.00} on XX/XX/XXXX 30 days before account was reported to XXXX in the amount of {$1400.00}, Contacted bank on XX/XX/XXXX to dispute account was dispute was denied. Contacted XXXX on XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX to file a dispute and dispute was denied. Please see email below received by BOA Bank of America Activity Alert PERSONAL CHECKING/SAVINGS ACCOUNT ending in XXXX Your account is overdrawn XXXX XXXX, We're letting you know your account is overdrawn and has insufficient funds. 
Here are the details of the activity : Insufficient funds amount : {$64.00} Fee assessed : {$0.00} Transaction paid : Yes Date : XX/XX/XXXX To prevent any additional fees and missed payments : 1. If you haven't done so already, deposit or transfer funds to bring your balance positive within 5 business days from the date shown above. Otherwise you'll receive an Extended Overdrawn Balance Charge. This charge would be in addition to any overdraft item fees already applied.

2. To keep scheduled online bill payments from being canceled due to insufficient funds, sign in to Online Banking Bill Pay to re-establish any recurring bill payments that weren't processed.

You can sign in to Online or Mobile Banking to review this activity, or contact us for help.

Security Icon Security Checkpoint To confirm the authenticity of messages from us, always look for this Security Checkpoint. You last signed in to Online Banking on XX/XX/XXXX.

Remember : Always look for your SiteKey before entering your Passcode. We'll ask you for your Online ID and Passcode when you sign in. 
This is a service email from Bank of America. Please note that you may receive service emails in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. 
Read our Privacy Notice. 
Please don't reply directly to this automatically generated email message. 
Bank of America Email, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Bank of America, N.A. Member FDIC. Equal Housing Lender XX/XX/XXXX XXXX XXXX XXXX XXXX. All rights reserved. 
This email was sent to : XXXX XXXX
Consumer complaint received 2024-03-03
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. (CT)

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 XXXX, Account name : XXXX XXXX Account name : XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX  Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX 
has violated my rights. 

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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Applied for forbearance with ally bank in XXXX of 2020. After they admit they coded account incorrectly and XXXX of letters, emails and calls o am no closer to being able to make payment or fix my credit We even have payments we made with banking numbers given to us by ally never go through. 

We want our second mortgage to resume payments and have our credit fixed We send the documents they want many times and each time told thats all they need and then get another letter asking for exact same info Latest letter asks for my tax return while saying they have my tax return
Consumer complaint received 2021-01-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Greater Collection Agency Bureau, LLC (KS)

the debt owed was {$430.00}. We received a call from another company saying they had the debt and we needed to pay it. I can't remember when they first made contact but they took the first amount out as follows XX/XX/XXXX - {$60.00}, G.C.A.B XX/XX/XXXX - {$60.00}, GREATER COLLECTION XX/XX/XXXX - {$60.00}, XXXX XXXX XXXX XX/XX/XXXX - {$60.00}, G.C.A.B XX/XX/XXXX - {$60.00} G.C.A.B XX/XX/XXXX - {$60.00} G.C.A.B XX/XX/XXXX - {$60.00} G.C.A.B FOR A SETTLEMENT AMOUNT OF {$390.00} THE MONEY WAS TAKEN OUT OF MY ACCOUNT THAT WAS SET UP THROUGHT THE COLLECTION AGENCY THAT TOLD ME THEY REPRESENTED XXXX XXXX. THE " COLLECTION AGENCY '' THAT FRAUDED ME OUT OF MY MONEY WAS GREATER COLLECTION AGENCY BUREAU XXXX XXXX  XXXX XXXX NC XXXX PHONE NUMBER ( XXXX ) XXXX FAX NUMBER ( XXXX ) XXXX EMAIL : XXXX. THEY TOOK THE MONEY OUT OF MY ACCOUNT ON TIME AND DID NOT TAKE ANYMORE THAN WHAT WAS " OWED ''. THESE PEOPLE ARE A FRAUD!!!!!
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (CA)

SAGESTREAM makes it extremely difficult to get a copy of your credit report. They want much more personal information and photos than the normal credit reporting agencies. They should be required to follow the steps that XXXX, XXXX, and XXXX follow to have online access to your credit report.