davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (KY)

G. L. A. collection company, incorporated. 

XXXX XXXX XXXX, XXXX, KY, XXXX Phone : XXXX On XX/XX/XXXX. I received the mail notice from the above collection company. They tried to collect three medical debts under my name. The amounts of debt were XXXX and XXXX separately. 

On XX/XX/XXXX, I replied to the above collection company by mail and gave them my health insurance information. I asked them to contact my insurance company and solve my medical debt problem. However, the amounts of debt they ask for are exaggerated. During all my ER visits, I was only asked to rest there and no medicines or treatments were given to me. For my second visit, I asked for a sandwich. 

On XX/XX/XXXX, I called the above collection company. They agreed to contact my insurance company and mail me a copy of my medical bills in 45 days. 

On XX/XX/XXXX, I called the above collection company. They admitted that they did not contact my insurance company and did not mail the medical bills to me. More ridiculously, they even did not have the medical bills ( or statements from the hospitals ) in hands. It means they did not have the necessary evidence about the debts when they first reported them to the credit bureaus! 

My life has already been destroyed by their reckless behaviors. I was refused to get a mortgage and raise my credit card limits. 

Whenever I called them, they asked me to pay the amounts they asked for but never mailed me any evidence about the medical debts. And they delayed to mail the evidence to me on purpose even I insisted on it and gave them the deadline. I believe this is the fraud now. 

I have all the phone calls between me and the company recorded. All statements above can be verified by solid evidence.
Consumer complaint received 2023-02-08
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, under creditor 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 2021-09-22
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: Exeter Finance, LLC. (GA)

The latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2022-08-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

I was awarded future Mortgage payment for next 12 months from DEO HAF program. 

Received award letter on XXXX, XXXX. 

XX/XX/XXXX uploaded my HAF Award letter to Rocket Mortgage portal. 

XX/XX/XXXX, XXXX and XX/XX/XXXX - I called and asked them status of payments from HAF program! Which they sent out XXXX XXXX. 

Rocket Mortgage Represantatives keep telling me there are NO payments from HAF program untill today! They asking me about date and check numbers from HAF sent to them?, ( I dont have any specific answers Rocket Mortgage requisting from me since HAF couldnt provide any information ). Also keep telling me to call DEO HAF about the check number and date they sent?! 

I was told Rocket Mortgage about exactly HAF told me which were They sent out the checks on XXXX XXXX. 
Its been 12 days since HAF sent funds to Rocket Mortgage but Rocket Mortgage has NO Answers, No funds, No answers for me. Its been very frustrating that No one has any answers for my fund. 
DEO Haf told me that Checks sent out XXXX, But Rocket Mortgage claiming they have not received any funds.
Consumer complaint received 2021-09-22
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. (CA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/21, I requested my credit report and complete credit file from TRANSUNION. I was notified that they would be mailing out both the report as well as the file, but I've only received the report. TRANSUNION has refused to send me upon request my complete credit file.
Consumer complaint received 2021-02-26
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. (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 2021-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

My paypal was closed without any reason, I sent all the documentation requested for them to verify my identity, and they decided to close my account with all my money for 180 days, the paypal in question has more than {$2000.00} usd and they do not give me a solution and no explanation why my account was closed, I am not a seller, I just collect some payments for playing video games online, paypal just closed my account and did not give me a solution, all my money is lost. Thank you for your time and reading my problem. The email linked to paypal is : XXXX XXXX
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (NY)

Since 2015, have been trying to get this removed off my credit my spouse had filed Chapter XXXX XXXX XXXX XXXX XXXX this had went to a Collection agency LVNV FUNDING /Resurgent XXXX for 3 years been filing complaints and trying to get this removed / deleted off my credt the other reporting agencies had closed this account that was in collections except for XXXX
Consumer complaint received 2020-06-01
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. (GA)

Equifax ; XXXX  and XXXX should not be reporting that I am ( 120-180 ) days late on the XXXX XXXX XXXX   partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) These student loan accounts have been deferred and reporting these items as late is a violation of the Fair Credit Reporting Act. The FCRA mandates that items need to be reported accurately on a credit report. I have attached a copy of the deferment letter for reference. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-07-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

all the money is paid off and its still not updated on credit report agency, To get positive standards and not negative XXXX was sent to the company and my credit report is still bad negative report
Consumer complaint received 2018-07-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

all the money is paid off and its still not updated on credit report agency, To get positive standards and not negative XXXX was sent to the company and my credit report is still bad negative report
Consumer complaint received 2018-03-30
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. My personal information was compromised and an inquiries were incurred in my name without my knowledge and approval. I sent my dispute to this company on XX/XX/XXXX with all the relevant information they needed to verify my claims but the funny this is these fraudulent inquiries are still showing on my credit report.

please delete these erroneous inquiries from my report asap : - XXXX   XXXX XXXX XXXX  -- - pulled lastXX/XX/XXXX - XXXX XXXX -- -- pulled lastXX/XX/XXXX - XXXX XXXX -- - pulled last XX/XX/XXXX - XXXX XXXX XXXX Pulled lastXX/XX/XXXX - XXXX XXXX XXXX  -- - pulled last XX/XX/XXXX - XXXX XXXX XXXX -- -- XX/XX/XXXX - XXXX XXXX XXXX XXXX- pulled last XX/XX/XXXX - XXXX XXXX XXXX  -- - pulled last XX/XX/XXXX
Consumer complaint received 2021-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i received an update on my credit report and I now have a collection reporting from a company names XXXX XXXX XXXX. I have no knowledge of this company any why they are reporting on my credit file. I was never sent any documentation or a DV. I would dispute this debt because i have no knowledge of this company. 

After doing research on this company XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. XXXX has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself.
Consumer complaint received 2021-09-22
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: WELLS FARGO & COMPANY (NJ)

there are two accounts on my report that do not belong to me. 
CREDITOR : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$0.00} BUREAUS TO DISPUTE : XXXX, XXXX, XXXX CREDITOR : WF BANK NA ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$6000.00} BUREAUS TO DISPUTE : XXXX, XXXX, XXXX
Consumer complaint received 2021-09-22
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)

My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Consumer complaint received 2018-07-20
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)

This is a continuation of my Complaint Nr XXXX, submitted XX/XX/2018. 

On XX/XX/2018 I received an Equifax reminder to look at dispute Confirmation Number : XXXX. I was presented a list of security questions ( see attached screen shot SectyEquifaxXXXX ), which I commented thereon. As I noted that a bogus previous address, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, ( which is the address used by the Identity Thief who fraudulently opened an account in my name w/XXXX XXXX, XXXX XXXX last year ). I have never lived in XXXX, nor used any XXXX mailing address. I telephonically contacted the Equifax Fraud unit, who initiated a correction dispute ( XXXX ). 

I also attempted to access Equifax dispute Confirmation Number : XXXX, but was unable to due to being presented with fraudulent security questions ( See screen shot XXXX ) also commented thereon. Although I answered all questions accurately, I was denied access to the report. 

It seems that Equifax has somehow intermixed fraudulent information with my real credit information without my confirmation.
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (TN)

I attempted to dispute this bill and this company wants me to verify the bill. I am not doing your job for you. Stop putting the cart before the horse and learn the business. 

Verify the validity of the bill, then contact me. Not the reverse.
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

I wrote a letter to a company called Fair Collections and outsourcing because they were on my credit. I did research and found that for them to report to your credit, they have to send certain notifications. They did not. I sent them a letter on XX/XX/XXXX to dispute the account because it is on my credit. They did not respond to that letter until XX/XX/XXXX, by which time I had already written them a second dispute. responding more than 30 days to a consumers request for authentication is a violation of the FCRA. They have violated the FCDPA by no providing the required validation requested when they did respond. It is my understanding that for these matters you are the proper arbiter. PLEASE HELP ME!
Consumer complaint received 2017-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (GA)

I attended school online via XXXX University as well as XXXX College from XX/XX/XXXX-XX/XX/XXXX. At the time I was unaware that my high school diploma was from an unaccredited school. I contacted my loan servicer to make arrangements to pay back my loans which are totaled at {$48000.00}. I received a letter from a debt collection agency stating they 'd purchased my loans from the Department of Education. I contacted the Department of Education once again on XX/XX/XXXX to make arrangements to pay back my loans but was redirected to the debt collection agency and no one answered so I left a voicemail. These student loans are updating monthly showing a negative status and impacting my ability to purchase a home and I am unable to contact anyone to make payments or arrangements to bring the loans current. These loans have also affected my ability to gain employment which is kind of contradictory. If I ca n't get another job due to these loans, how am I supposed to pay them back? I 've tried for months to contact someone with no response.
Consumer complaint received 2019-05-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

XX/XX/2019 XXXXXXXX XXXX Call received at place of employment by Portfolio Recovery services from ( XXXX ) XXXX XXXX. They were asked not to contact my place of employment. 

XX/XX/2019 XXXXXXXX XXXX. Call received from Portfolio Recovery services from ( XXXX ) XXXX XXXX. They were again notified that personal phone calls are forbidden at my place of employment and to initiate contact in writing. 

XX/XX/2019 XXXXXXXX XXXX. Call received from Portfolio Recovery Services from ( XXXX ) XXXX XXXX. Caller was again asked to refrain from calling my place of employment.
Consumer complaint received 2022-08-12
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. (FL)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2018-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

I updated my information. The debt was charged, paid off years ago. I paid off the credit card myself. I am no longer employed now for 7 years. They say on the site i am still working which is untrue. I dont live at those addresses on the site, they say i do. The information is all untrue. Please remove the old debt off of the credit bureaus from all three. XXXX, XXXX, and XXXX.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX : All reported charge offs To whom it may concern I am responding to your contact bureau about all accounts regarding charge offs in my name. Since XXXX XXXX, XXXX after my mother 's death on XX/XX/XXXX. I have a solid reason to contact and firmly request removal of all charge offs and collections. Since XXXX my parents accounts have been through identity theft and estate fraud. I have found that I too have had identity fraud attempts or uninformed activity. For me, it started XX/XX/XXXXand continued to the present XXXX security breach. I have disputed credit cards and banks but have not had any resolution. In XX/XX/XXXX, I found that my credit went from a XXXX to a XXXX. I have had seen that my previous addresses show me living in a different city in California which prohibits me from benefits, awards and employment. I have requested removal from all three agencies, XXXX, XXXX and Experian. This is an industry failure at the expense of individuals. 

Inform all agencies to stop all communication with me and with this address, and record that I dispute of having any obligation for this debt. Stop any collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX BOA offered me an incentive under the Home Affordable foreclosure  Alternatives program that I qualified for. I was going through a very difficult divorce and had XXXX children, a full time job and no child support. This program offered me incentive money and debt forgiveness that would not be taxed by the IRS. However, BOA filed a XXXX misc. instead of a XXXX, and now the IRS is after me for nearly {$4000.00}.
Consumer complaint received 2018-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I opened a Huntington account in XX/XX/2018 with a {$200.00} bonus offer. The requirements were you had to make a {$1000.00} in deposits within 60 days and keep the account open for 90 days. It did NOT specify what type of deposits, it did state that you could NOT transfer money from another Huntington account as a deposit. I met the requirements and inquired about the bonus, I was told I didnt meet the requirements because I did an online transaction from XXXX to transfer funds to Huntington. I called 3 times! The customer service reps were extremely rude and I asked to speak to a supervisor, I got disconnected or hung up on the second time and the 3rd I was on hold for a long time so I hung up because I was so frustrated and could not get anywhere! I have screen shots of the requirements and no where does it state you can not do online transfers or Deposits! I want this situation rectified and an explanation!