davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TX)

My daughter was in a car accident in XXXX. She was hospitalized in XXXX at their hospital. She was covered by insurance and car insurance. The hospital accepted assignment of the insurance. I started getting bills from " XXXX XXXX. '' The doctor listed on the account was not one of the doctors listed in her hospital file. I was able to obtain, back then, the request from this " provider. '' The hospital went over this document and told me that this doctor listed is not a provider in their hospital. They also provided the hospital bill that showed the procedures done on her. The ones shown were not what was billed. They are trying to collect fraudulent charges based on an accident that happened almost 6 years ago. Besides that, my daughter was XXXX and a legal adult. This does not belong on my credit and needs to be removed immediately. I demand a cease and desist for the continued pursuit to collect on this. I have provided the only documents that I still have after 6 years. The original company declined to pursue it after I provided the paperwork proving that the charges were fraudulent and were not related to my daughter 's care.
Consumer complaint received 2021-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

XX/XX/2020 was my last day working because of covid-19. Tomorrow will be 18 full  weeks I have been out of work. 
My employer filed unemployment on my behalf in XX/XX/2020, the unemployment office approved benefits & sent the required information to XXXXXXXX XXXX  somewhere out western U.S. I NEVER got the card, still no unemployment money. I received the papers letting me know the benefits are there for me. I have tried to contact every source including trying to contact the bank, without any luck. 
Please I am begging for help. 
Thank You
Consumer complaint received 2022-01-06
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. (GA)

I did not consent to, authorize, nor benefit from any of the following inquiries. Block and remove them from my consumer report : 1. Equifax Mortgage Services 2. XXXX 3. XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX Pursuant to 15 USC 6802, this is a demand, not a request. Federal law supersedes Equifax 's company policy. 15 USC 1681c-2 establishes what, I, the consumer must provide you.
Consumer complaint received 2022-01-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2024-01-31
Product: Credit reporting 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 submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (IN)

Hospital XXXX  bill from XXXX XXXX in the amount of XXXX. Got a letter from Radius Global Solutions # XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. They claimed I owed the amount above but said if I paid {$750.00} by the end of the month, it wouldnt go against my credit score. So I told them I would call them back and did some investigating. I called the hospital and they said my insurance covered it. They are trying to collect on a bill that has been paid. XXXX XXXX
Consumer complaint received 2021-03-01
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: EQUIFAX, INC. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2021-03-01
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: EQUIFAX, INC. (MO)

The following accounts are not mines, and is effecting my credit files. I have not authorized any of these companies my personal information, so these unauthorized and unknown accounts shall be removed immediately from my report 1. XXXX {$31.00} 2. XXXX {$2100.00} 3. XXXX {$2000.00} 4. XXXX XXXX XXXX {$470.00} 5. XXXX XXXX XXXX {$83.00}
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

ON XX/XX/2020 - I received a credit card ( Master Card ) from Bank of America Merill Lynch which I never applied for. This was a real credit card, approved, ready for activation, with a {$30000.00} credit line. It was not a credit offer with a fake card. It was in the correct name and sent to the correct address, but NO ONE in my family requested this card in any form. This undoubtedly impacts my credit rating in terms of amount of issued credit and whatever unauthorized credit checks were performed. This to me is an example of fraudulent requests and/or consumer-unfriendly business practices. 

On XX/XX/2020 I attempted to contact Bank of America Merrill Lynch and was transferred to another line in which I was forced to wait on hold for over an hour with no response, after I indicated possible fraud related to my own identity and the incorrect issuance of a card. I have also attempted other contacts. 

Prior to this time - I recorded with the appropriate agencies that I did not want any preapproved credit offers at my current address. I have NO previous relationship with Bank of America at this address or any other.
Consumer complaint received 2020-04-30
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. (IN)

I have a car loan with XXXX XXXX i just made a payment of XXXX XX/XX/2020 when XXXX updated today XX/XX/XXXX it shows an increased balance of {$350.00} bringing the loan balance up to XXXX dropping my credit score 12 points. I contacted XXXX XXXX   they agree that the correct balance should be XXXX and they never reported an increase. I have proof of all this. A payoff statement with the correct price and a saved conversation with XXXX XXXX. This is not the first time XXXX has reported false information and blamed the creditor. Im getting sick of this and i am ready to take legal action against them if they have no plans to fix my score and correct the information they reported. This time i have the proof that XXXX is XXXX   people by reporting false information. If this can not be resolved i will take legal action.
Consumer complaint received 2018-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc. (NJ)

I have tried to contact XXXX XXXX XXXX and Simmons agency regarding this debt unfortunately a previous roommate took my information and ordered items without my knowledge I do not have any information on how to track them down I have been trying to resolve this for quite some time now please consider removing this account from my name as I did not incur these charges. I have tried to contact XXXX XXXX XXXX  and Simmons agency regarding this debt unfortunately a former roommate took my information and ordered items without my knowledge. I do not have any information on how to track them down. I have been trying to resolve this for quite some time now without any luck. please consider removing this account from my name as I did not incur these charges
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXXXXXXXXXX is currently reporting late activity. This account was paid in XXXX 2016. As a result, I am exercising my rights under the FCRA. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TN)

I called on XX/XX/2020 to synchrony bank to inform them that I could not access my account and needed to update my number or add my email to the verification process. I went through the verification process for an invalid code to be sent and for the customer service representatives to either disregard my concerns and one hung up on me. I was unable to access my account and was told that I couldnt access my account because my account was closed. Which was a lie because I had scheduled payments last week into the following year that I was trying to change. The last lady I talked to was the only helpful one as she updated my account and set my account on auto play so I wont have to deal with scheduling payments again. Worst customer service experience I have ever dealt with.
Consumer complaint received 2020-07-16
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: NAVY FEDERAL CREDIT UNION (MS)

I was charged by XXXX XXXX XXXX without my authorization on XX/XX/2019. I requested 4 movers for XXXX/hr. The movers showed up 2 hrs late with a XXXX rental truck and with 2 movers instead of 4. The owner charged my credit twice without my permission for XXXX and then couple hours later he charged it for XXXX. The guy stopped answering my calls. Submitted a dispute through credit card company and they said the charges are correct. My credit company is Navy Federal credit union.
Consumer complaint received 2021-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (NY)

This company took over an account that was paid off 3 times, In XXXX of XXXX I received a letter from the US DEPT OF HOUSING Account number # XXXX stating that I had 30 days to reply to a collection claim that can in, so I called seventh times and said to a XXXX XXXX XXXX from US Dept of Housing. I send emails to her showing that XXXX XXXX was paid 3 in XXXX & XXXX. And the 3rd week of XX/XX/XXXX US Dept of Housing took {$2400.00} from my income tax and they send me a letter stating that the debt is paid in full. Then they are reporting ok my credit report that I am in collections as of XX/XX/XXXX. I have been asking Experian to fix this on my credit and they have been giving me a hard to either fixed the payment history or selecting this item from my credit report.
Consumer complaint received 2020-07-16
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: BARCLAYS BANK DELAWARE (VA)

I've a Uber Visa BarclaysUS card. I used the card to order on Uber eats but the order didn't arrive. So the Uber eats team refunded me for the order. However, I still see the charge on my credit card. I raised a dispute online but I got a courier saying that I was missing certain info due to which my dispute was rejected. Now when I talked to the customer service, they asked me to send a dispute over a physical mail in writing. 
This is really bad and unethical behavior. The team is clearly doing everything to make it difficult for the customer to get back a valid refund. 

Order Date - XX/XX/2020 Transaction Date - XX/XX/2020 Amount - XXXX
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account is reporting a total of 6 missed payments that are not correct, Also XXXX fhows 6 missed payments but Transunion shows 4 missed payments. They continue to report actively on my credit report and even though I paid this credit card in full way back in XX/XX/XXXX and requested it to be closed its still reporting actively most recently as XXXX XXXX 2017. I emailed the company twice about this error and still have not gotten any response back. I was recently denied for a auto refinance due to these incorrect missed payments reporting.
Consumer complaint received 2022-09-12
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX Account Number XXXX CFPB COMPLAINT XXXX TOOK LONGER THAN 30 DAYS. PLEASE DELETE THIS ACCOUNT. 

THE NOTICE OF DISPUTE WAS NOT SUBMITTED WITHIN 30 DAYS WHICH IS A VIOLATION OF SECTION 623. PLEASE DELETE THIS ACCOUNT.
Consumer complaint received 2021-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

In XXXX of 2001, my ex-husband and I signed up with XXXX ( XXXX XXXX XXXX ) to store my new born XXXX  XXXX XXXX  We paid several hundred dollars for this initial service. Approximately two years ago, XXXX contacted me via cell phone and told me that in order to continue the freezing service, we would need to start paying approximately {$100.00} a year and I told them that I did not want to continue the service. Last night I received an updated credit score from my credit card company and my credit score dropped from XXXX in XXXX to XXXX in XXXX because XXXX sent my account to collections, even though I told them that we no longer wanted to continue using their service and I did not receive a bill from them. XXXX told me this morning on the phone that they emailed a document to me that required a signature to discontinue their services and when I asked them to produce proof of the email, they could not. The collections company, AWA Collections XXXX XXXX CA told me on the phone that they couldn't do anything until XXXX tells them to remove the claim. AWA can not have any documentation justifying filing this collection because there was nothing ordering the continuation of this service past the originally paid service!
Consumer complaint received 2020-04-30
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I sent a certified letter, tracking number XXXX, with these concerns on XX/XX/XXXX. I have not received a response back. 

My name is XXXX XXXX - a Capital One customer since XX/XX/2020. I have a current balance of {$420.00}, despite paying, and having posted, four separate payments. I am writing to request the following actions be taken : I am immediately credited for all of my posted payments, totaling {$270.00} USD, including interest and fees. 
Any misinformation is corrected with all three major credit bureaus. 
I am put back in the 5-month program to gain a higher credit line. 

I received four Payment posted confirmation emails between XX/XX/XXXX and XX/XX/2020. These emails are confirmation of Capital One 's successful receipt of these payments. 

Email One | XX/XX/2020, XXXX XXXX  to XXXX, talking about a successful payment of {$25.00} that was posted on XX/XX/2020. 
Email Two | XX/XX/2020, XXXX XXXX  to XXXX, talking about a successful payment of {$190.00} that was posted on XX/XX/2020. 
Email Three | XX/XX/2020, XXXX XXXX  to XXXX, talking about a successful payment of {$25.00} that was posted on XX/XX/2020. 
Email Four | XX/XX/2020, XXXX XXXX to XXXX, talking about a successful payment of {$32.00} that was posted on XX/XX/2020. 

Let me know if you need any further information. I can be contacted at XXXX, or at ( XXXX ) 7XXXX. Stay safe with this COVID-19 stuff.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-09-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thomas George Associates, Ltd. (OH)

I was in an accident in XXXX I had just bought my vehicle so I made the mistake of postponing using car insurance. Later on I got into an accident when I was going to XXXX on military leave, the person did not yield to the green light and turned in front of me. The process was choppy due to my lack of insurance, I filed a claim through them and they have not gotten back to me ; however, the debt collection agency Thomas George Associates is claiming I owe {$15000.00} when XXXX never approached me and when the repairs of the car were worth half of that money.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (MI)

XX/XX/XXXX my father passed away and I asked the creditor if I was able to get an extension or deferment for 1 month due to a death of an immediate family member. I was granted it but shows up as a late payment for why I wasn't sure since I told them what was going on even emailed a copy of his death certificate to them to prove I wasn't lying. And between XX/XX/XXXX till XX/XX/XXXX I was laid off. XX/XX/XXXX till XX/XX/XXXX was due to a harsh winter and unable to work outside. And from XX/XX/XXXX till XX/XX/XXXX from COVID. I asked the creditors if I could have a reduced minimum payment or a brief hold or deferment on my account due to the COVID outbreak and unforseen weather. I talked to multiple reps and they noted that in my file.
Consumer complaint received 2020-07-16
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. (UT)

XXXX/XXXX- XXXX : They never sent me a statement letting me know when my bills were due. I signed up for auto pay and it was never taken out. The lates that are reporting against me need to be removed. I had made contact with them letting them know I was unsure when the billing cycle was due and then the payment was not deducted from my bank in time.
Consumer complaint received 2020-07-16
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. (UT)

XXXX/XXXX- XXXX : They never sent me a statement letting me know when my bills were due. I signed up for auto pay and it was never taken out. The lates that are reporting against me need to be removed. I had made contact with them letting them know I was unsure when the billing cycle was due and then the payment was not deducted from my bank in time.
Consumer complaint received 2016-04-08
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Williams, Rush & Associates, LLC (CO)

Collector has called numerous times after being told repeatedly to stop calling. Now collector has automated calling system that calls daily. Collector threaten to revoke previously acquired government issued license. Collector has called family members threatening legal action. Collector and parent debt was never given family members phone # 's. Collector calls from different phone numbers each day. Collector has made repeated hard pulls on credit reports forcing score down.