davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (AZ)

My husband got medical service from XXXX XXXX in 2019 and when we received the bill from them we saw that they never ran our secondary insurance, only our primary insurance. I called the hospital on 2 different occasions and provided them with our secondary insurance. We were then sent to collections for the original amount of {$2000.00}. I spoke with the collections company multiple times who filed a dispute with the hospital and we still have not gotten a resolution. They can not legally collect this amount because they never ran our secondary insurance, which they acknowledge to be the case.
Consumer complaint received 2021-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on FAIR COLLECTIONS & OUT XXXX Balance Owed : {$940.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I reported the following accounts to all 3 credit bureaus : XXXX - {$1900.00} XXXX - {$1200.00} XXXX XXXX XXXX - {$2000.00} XXXX - {$180.00} XXXX - {$240.00} These accounts were reported on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 Each letter I sent to the credit bureaus have been with no response. 

I sent letters exercising my rights to request identifying information about these accounts. I also sent letters to exercise my rights to request the method in which these accounts were verified. I have not received anything from the credit bureaus. I always allow sufficient time for my request to be investigated but they are never done.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to bring to your attention a pressing issue regarding the prompt removal of charge-off accounts with incorrect balances from my credit report. As a conscientious consumer, I value accuracy and transparency in my financial records, and I am deeply concerned by the discrepancies that have surfaced. 

Upon reviewing my credit report, I discovered several charge-off accounts with balances that do not accurately reflect my financial history. Despite previous attempts to address these inaccuracies, they persist, causing undue stress and frustration. 

It is imperative that these erroneous charge-off accounts be swiftly removed from my credit report to prevent any further damage to my credit score and financial standing. I urge your team to prioritize this matter and take immediate action to rectify the situation. 

Furthermore, I request a thorough investigation into the root cause of these inaccuracies to prevent similar occurrences in the future. It is essential that your company 's systems and procedures are robust enough to ensure the integrity of consumers ' credit reports. 

I expect timely communication and updates regarding the progress of resolving this issue. Additionally, I seek compensation for any adverse effects these inaccuracies may have had on my credit score or financial opportunities. I am asking for your assisstance to remove these accounts in my credit file : XXXX. XXXX XXXX XXXX : {$360.00} XXXX. XXXX XXXX XXXX : {$220.00} XXXX. XXXX XXXX XXXX Balance : {$1000.00} XXXX. XXXX XXXX XXXX : {$13000.00} XXXX. XXXX XXXX XXXX XXXX : {$740.00} XXXX. XXXX XXXX XXXX : {$370.00}
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX XXXX XXXX /Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXXAccount # XXXX ) Has violated my rights XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX  XXXX # XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXXAccount # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my XXXX XXXX ( XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Account XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXXccount # XXXX ) Has violated my rights
Consumer complaint received 2018-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (GA)

I have a mortgage with Roundpoint Mortgage Servicing Cooperation. My mortgage has an escrow for payment of taxes and insurance. On XX/XX/XXXX, I received a notice from my insurance carrier that my property insurance policy had lapsed due to non payment. The payment was due onXX/XX/XXXX ( the effective date of the policy ). The notice from the insurance company also said the policy would not be re-instated if the payment was not received by XX/XX/. I immediately called Roundpoint Mortgage on the morning of XX/XX/XXXX and basically got the runaround. While they admitted that they did not pay my insurance bill from my escrow account, they said they could not tell me why. They said they would need to call my insurance agent and I would have to call back to get an update. They were unwilling to call me to give me an update. After about 30 minutes on the phone with Roundpoint, the agent disconnected me ( hung up on me ). 

I called back about an hour later and got an another agent and had to start over on my problems. Apparently no notes were placed on my file by the first agent I talked to. This time I was on the phone for over an hour. Again, with no resolution or satisfaction. They said it generally takes 3 - 5 business days to get a payment out, but they had to depend on the insurance department for this. I told them that the payment need to be overnighted that day since the notice said the policy would not be re-instated in the payment was not received by XX/XX/XXXX. I was again told their normal policy is the get the payment out in 3 - 5 days. I told them was unacceptable since this was their error and my home current has no insurance. 
The attitude toward my problem was totally unacceptable and there was no sense of urgency in getting it taken care of. Isn't it illegal for this mortgage company to hold funds in my escrow account and not pay my insurance? When I got the mortgage I was required to have an escrow, yet this company is not required to pay my insurance out of my escrow account? Totally unacceptable! And no sense or urgency in getting it resolved. And no explanation about why it happened.
Consumer complaint received 2021-11-08
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: OneMain Finance Corporation (IL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, ONEMAIN FINANCIAL, is currently showing XXXX  days late on XX/XX/2015. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and remove the current status to reflect accurately.
Consumer complaint received 2021-11-08
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. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2020
Consumer complaint received 2021-05-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On XX/XX/2021, I have sent the credit bureaus ( XXXX, XXXX & Equifax ) a letter to remove inaccurate/fraudulent information from my credit report, and according to 15 U.S.C. Sec. 1681i ( a ), they were suppose to complete this investigation within 30 days of receipt of that letter. 
Today is XX/XX/2021 and I have yet to hear their from them.
Consumer complaint received 2018-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Real Time Group, Inc. (TX)

This complaint is regarding Real Time Resolutions , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. This company is providing inaccurate and deceptive billing statements. Statements provided do not reflect previous months payment. Furthermore, the current payment is inaccurate as well. Request CFPB investigate the deceptive billing practices of Real Time Solutions.
Consumer complaint received 2021-01-28
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: EQUIFAX, INC. (FL)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2023-04-03
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. (WI)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2021-11-08
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: EQUIFAX, INC. (PA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: KEYCORP (WA)

I was involved in a fraud transaction that was proven to be no fault of mine. Later the financial institution sent me a letter of information that was sent to XXXXand said my report may need to be updated.as a result I was denied a checking account at XXXX XXXX. Also XXXX XXXX close my checking account when I had already made arrangements to clear a {$92.00} overdraft.
Consumer complaint received 2018-02-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is falsely reporting a collection account on Experian. I have asked them several times to remove it or show proof that the debt was mine. They have not done it. all they have sent me was a letter saying " that they could not discuss it because it was not my account ''. I have called XXXX fraud department and spent hours on the phone with them trying to get this resolved to no avail. Please help.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX the below account numbers has violated my rights. 

Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX FACT 15 U.S.C 1681 Section 602 A. States that I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-29
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: Resurgent Capital Services L.P. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

equifax credit monitoring continously does identity deft and holds my information without my consent. I don't know how to get rid of equifax, can you help me to keep equifax justified? Equifax puts inquiries on my name those I do not have requested, one is about XXXX XXXX in XX/XX/2021, second is XXXX XXXX XX/XX/2021, and the third is XXXX XXXX  XXXX when they convince the costumers in the store right before the interest of baying a product and put the costumers in trouble. equifax credit monitoring must stop identity deft. XXXX 's store must stop offeristic act of applying for credit card on costumers name and denying for unreasonable cause telling that there is an alert but I did not ask to put any alert and I do not see any alert, so how can XXXX XXXX see an alert on my credit? But I do not have any alert on my credit. The other first and second XXXX XXXX and XXXX are not done by me.
Consumer complaint received 2022-04-29
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)

This is my 3rd time submitting a complaint please help me!!!!

I will be taking this to court and suing the credit bureau Ive been disputing these fraudulent accounts with XXXX, equifax, XXXX for a whole year i want to sue them at this point because theyre the reason i cant get a house or car someone fraudulently open these accounts under my info Ive filed police repost and identify theft report and they have yet to remove these XXXX i will sue!!! Please help me i am a victim of fraud this is illegal to still be reporting inaccurate information they are discriminating me because Im a XXXX! I will not tolerate discrimination Fraudulent Accounts below! 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX
Consumer complaint received 2021-05-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (TX)

I am in the midst of refinancing with XXXX XXXX XXXX. They have reached out to PHH Mortgage for a verification since XX/XX/2021. I have also called them for a letter regarding no forbearance on my account ( XX/XX/2021 ), was promised a turn around 24 - 48 hours, followed up with an email on XX/XX/2021 and XX/XX/2021 for a status. There was no reply.
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have multiple cards with capital one. Their automatic payments was taking out amounts I did not approve. I asked my due date to be changes several times, I was told it would be successful but never way. I don't know of any other credit card that has a due date at the end of the month.
Consumer complaint received 2020-01-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CT)

Hello CFPB, Thank you for your time in taking care of it. 

This is XXXX XXXX, My last social is XXXX ( i also have other names as XXXX XXXX, XXXX XXXX XXXX, and XXXX ). 

I have been living in the USA since 2000. I am a US citizen. I was sending money to my family, friends using XXXX XXXX money services. I recently reached out to XXXX to get the details of money I sent from the year 2000 to now but MoneyGram declined through my email requests. I contacted MoneyGram ( customerservice@moneygram.com ) and at XXXX several times and all my calls routed or attempted by abroad ( XXXX, XXXX or some other country I dont know they even exist and also representatives are very rude in responding and not useful for customers ) representatives and they even dont know the USAs geography and simply denied my request many times as usual and declined to transfer my calls to any of the US customer supports but they say can not transfer or no US customer support available. 

The MoneyGram company has headquarters based in the USA but all the poor customer support from abroad? What privacy we have as an US citizen? 

During my recent discussions with my family members and friends, I came to know that some of the recipients either received less than the promised conversion rates or never received at all. I need the complete details from 2000 to now for reconciliation. XXXX simply declined my tax paid money and I paid thousands so far for as a fee. I have every right as a US citizen to get my information. I am sure I am entitled to my complete details as requested. I am a middle-class employee and this money is my hard-earned. 

Please take this as my written complaint to get my info and help me. I sent Money where i lived from XXXX, XXXX, XXXX and other places. 

I will pay a minimal fee if I required to pay to get my required info. As I already paid XXXX dollars as a fee sending for money. 

People I sent money through XXXX : 1.XXXX XXXX , XXXX 2.XXXX XXXX, XXXX 3.XXXX , XXXX XXXX XXXX, XXXX XXXX. Any others I sent. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

I made online transfer ( ACH ) {$2000.00} from my checking account to COINBASE, INC on XX/XX/11. The coinbase website stated that the money will go to my account in 7-10 business days. It has been 25 days so far. And I have filed a ticket to coinbase support, but received nothing so far. My ticket number is XXXX.
Consumer complaint received 2018-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACI Worldwide, Corp. (OH)

XX/XX/XXXX ACI /XXXX , XXXX . 
{$350.00} Contacted XXXX , XXXX. and requested this debt be removed from my information. I was told it was from XX/XX/XXXX. Advised representative that I have never had a credit line through XXXX and only opened a XXXX account that is attached to my bank account in XX/XX/XXXX. Was advised it looks like fraud. No info on what they are doing to resolve issue .. XXXX , XXXX. And ACI seem to be running a scam because there is a message board with tons of complaints about this. 

ACIs phone number is ( XXXX ) XXXX PayPals phone number ( XXXX ) XXXX Please inform
Consumer complaint received 2021-01-28
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Roosen, Varchetti & Olivier, PLLC (GA)

I contacted Roosen Varchetti and Oliver on XX/XX/XXXX to verify debt from a letter I received from the Company on File # XXXX. As of XX/XX/XXXX nothing has been done and after several attempts to speak to company representative have gone unnoticed.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (TX)

i got the XXXX  XXXX  XXXX  card with no pre set limited, when i apply i was informed i could buy anything. I try to use it or a mobile home and was informed it didn't go though