davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

On XX/XX/XXXX, I called Medical Data Systems to settle account & spoke with XXXX XXXX ext. XXXX. 

I advised the Representative that I was unemployed & was diagnosed with XXXX twice but wanted to settle account. We specifically worked out a payment plan for the {$450.00} balance. 

The Rep advised there were other accounts that was not paid by my insurance. She advised that I call the insurance company to resolve the below accounts showing unpaid balances. She also stated would work with me due to my situation & hold the accounts & would NOT report them to the bureaus. 

A week later the accounts below were reported to all 3 credit bureaus. 

I called Rep back to advise that I received a notification that the settled account for {$450.00} was still showing unpaid & the below accounts had been reported & she stated that they would not be reported until we found out if the issuance was going to pay the claims. I advised her of the previous conversation & she became rude. I asked her to speak to the manager & she refused & said the would have the manager call me back & I never received a call back. As of today, I am having a financial hardship & I did my part & reached out the collection company to advise of my situation & I was treated unfairly. 

I disputed the account I paid off is which is showing {$450.00} balance. XXXX XXXX is reporting that the balance is accurate which is false. The account is paid off. 

I have applied for financial assistance with XXXX XXXX due to my financial situation, but I was treated unfairly by XXXX XXXX XXXX XXXX & I am requesting a resolution in their matter, otherwise I will consult an attorney. 


XXXX {$250.00} {$150.00} - {$400.00} paid XX/XX/XXXX for amount {$450.00} Below is the arrangement that I worked out with XXXX, the Rep. 


XXXX settlement offer {$1000.00} Total AactsXXXX {$1800.00} settlement offer {$1300.00} XXXX XX/XX/XXXX XXXX XXXX Dos XX/XX/XXXX call XXXX  XXXX  XXXX- XXXX DOS XX/XX/XXXX call XXXX
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX   XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX, FL XXXX
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

My checking account was illegally accessed on XX/XX/2022 and a wire transfer of {$9100.00} plus a wire transfer fee of {$20.00} was taken without my permission. I spoke with USAA that day and was assured that the money would be returned to my account mostly likely by the end of the day of on the XXXX at the latest. It was not done, I called USAA on XX/XX/XXXX, was again assured that the money would be returned to my account by the end of THAT day. On XX/XX/XXXX I called and was informed that they had called XXXX  XXXX XXXX ( the receiving bank of this transfer ) and requested the money back and was told no, so I will not be getting my money back. I contacted my local law enforcement and filed a report ( XXXX XXXX XXXX XXXX in Colorado ), I spoke with several friends of mine who work in banking in various positions and got advice on how to proceed. 

USAA never froze my bank account to prevent this from occurring again, they never advised me to file a police report, they never advised me to freeze my credit reports with XXXX, XXXX and XXXX ' their only advise was to change my security questions and password. 

I called USAA again on XX/XX/XXXX and was told that my case was in the Fraud Department and they would put in a " front door request '' to have the fraud department call me with a status on when the money would be returned to my account. They said that I would have a callback with in 24 to 48 hours. I waited 72 hours and called again on XX/XX/XXXX to be told there is no update, but they could escalate my request for a callback and status. I advised them that I would be filing complaints with FICA, Consumer Financial Protection Bureau, XXXX XXXX XXXX and any other agency I think may be able to help.
Consumer complaint received 2018-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (FL)

On XX/XX/2018, we rec 'd two unwanted cards we needed to activate, due to XXXX XXXX changing banks. We did so, and per directives, destroyed the old cards. About three days  later, we began finding out odd things. First, the credit bureaus reported the former XXXX   accounts closed XX/XX/2018. However, the cards worked thru the morning of XX/XX/2018. We were told PINs would be automatically sent on XX/XX/2018. When they hadn't come in two weeks, we called and we were told they would be sent again. There seemed to be little interest in what happened to the first ones. Finally three days ago, one of the two PINS arrived. When I communicated via secure message, I was told ( today ) that another (! ) PIN would be sent for a name not at all a part of our account. When I just called about that, the agent suggested it must be a fraudulent message ( in their secure message account!!! ). The lack of the credit limit has prevented us from automobile shopping needed to be completed for a grandchild. There's an unknown person receiving one of our PINS. We are financiually vulnerable.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

Original Credit Card Company, XXXX XXXXXXXX, has removed debt off of credit report due to being expired according Statue of limitations law in Illinois. Midland Credit Management has unlawfully used tactics to contact me and threaten me to pay a debt that has expired through the original creditor. Company has violated the statue of limitations, violated the fair credit reporting act, and violated Fair debt collections practices act.
Consumer complaint received 2020-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I previously reported this problem with the mortgage company to the XXXX XXXX XXXX to no avail. My issue is that our mortgage was sold to this company and ever since our mortgage has gone from {$700.00} to {$1000.00} with only {$180.00} or less going toward our principal. I dont see how this is legal and I dont understand how we get penalized for trying to keep a roof over our heads. We were not given a choice of lenders to choose from when our mortgage was sold so there was no other contract to sign but this one. And no one else will take the loan because of the amount owed compared to the value of the home. Im just looking for someone to do the right thing.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Sent a letter requesting inquiries off of my credit that were dated XX/XX/XXXX. I sent a report along with the letter requesting that inquiries NOT attached to any accounts and they are investigating an acct thats been valid for XXXX years! I dont want my file messed up because they arent following instructions. The inquiries from the XX/XX/XXXX letter need to be removed. 

They have all the info. I can not write them online because the disputes failed. This need to be fixed
Consumer complaint received 2023-04-07
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. (NY)

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, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # 1937, Account name XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 2021-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: STATE EMPLOYEES CREDIT UNION (NC)

I Consumer XXXX On XXXX I sent in payment via certified mail with postal money order and remittance coupon citing UCC 3-603B to NC STATE EMPLOYEES CREDIT UNION headquarters at XXXX XXXX XXXX XXXX, NC XXXX For credit card account ending in XXXX
Consumer complaint received 2019-03-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

For the past 10+ years since graduating from XXXX I have inquired to Navient ( previously servicing as SallieMae ) as to having my aunt removed as co-signor to my student loans. I was initially told that I needed two years of payments to qualify for co-signor release. I asked over multiple calls if these could be through any type of payment plan and was assured any type qualified. After making interest only payments ( while in XXXX  school ) I applied for co-signor release and was then told only interest and principal payments qualified. I then spent another two years making payments and re-applied for co-signor release. I the received a notice that not all my payments over the previous 24 months were timely. When I reviewed the payment history, the few payments indicated as received after the due date were all within 1-2 days after some of which included occasions when the due date fell on a weekend. I continued making payments, ensuring each was received prior to the due date and re-applied 2 additional times for the release. Each time I received a reply that my credit does not meet their criteria. My current yearly income exceeds my current student loan balance and my household income which includes my husbands income is nearly triple my student loan balance. I last applied for co-signor release in XXXX and XX/XX/2018 ( fax confirmations attached ). Each time I received NO response from Navient despite a hard credit inquiry in XX/XX/2018 ( credit bureau item attached ). After years of timely payments and sufficient income I should no longer be required to maintain a co-signor for my loans so that my aunt, who graciously co-signed the student loans of a young XXXX student nearly 15 years ago, no longer has to be impacted by these loans that I have proven to be fully responsible for and capable of repaying.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (VA)

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX phone : ( XXXX ) XXXX Date opened : XX/XX/2016 Balance {$410.00} I did not receive anything in writing which explained who the debt is with/cause of debt and rights to dispute.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Experian has erroneously deleted an address that should be included, I had resided ( rented ) from calendar year XXXX to XXXX as follows : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX. 

I recall that error being done XXXX and XX/XX/XXXX when I was attempting to remove an address I could not recognize ( XXXX XXXX XXXX XXXX, CA XXXX ) that did not belong to me. Experian deleted erroneously a correct address XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, CA XXXX ) the XXXX address and it was not corrected, included back in my report as expected. It was revealed and noted during one of the communications ... 

I called recently, and I was told that they can not include any addresses that banks do not report. I found an Experian report I had kept from XX/XX/XXXX as a back up evidence that in my prior reports, the XXXX address Experian claims was never reported to them, was included and it was removed erroneously XX/XX/XXXX by an Experian employee in lieu of another address I had requested to be removed. 

Please add my address as shown above, to have an accurate report of list of addresses I have leased.
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST NATIONAL BANK OF OMAHA (NY)

Re : erroneous item FIRST NATIONAL BANK # XXXX reported by First National Bank to all three credit bureaus. I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. First Natl Bank has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. First National Bank has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Title365 Holding Co. (TN)

{$2800.00} was incorrectly and unnecessarily collected by Title365 at closing of this refi as prepaid by loan servicer, XXXX XXXX, to be paid as property tax to XXXX County for the XX/XX/XXXX year. Section F of Closing Disclosure. 

However, after calling the XXXX County Trustee 's office it was reported that only one payment was received by previous mortgage servicer, XXXX XXXX, on XX/XX/XXXX, as all mortgage servicers probably do for this county in advance of it being due. 

This money was collected by Title365 and never used for what it was meant for. My loan is collecting interest on this for no reason. I want all of the money back with a credit for the undue interest as a check, or added into escrow to be disbursed as overpayment later.
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (TX)

Date opened on XXXX XXXX XXXX put a balance of {$68.00} on my credit report as a derogatory item and its incorrect they continue to replace them and readd them to my credit in the last month there were duplicated amounts for the same accounts with the same account numbers Ive had to complain about before.. I had insurance when I went to the dr for these medical bills not only did my insurance cover these bills I never received a direct bill of XXXX dollars to take care of the amount I knew nothing about it untill I seen it on credit report
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CT)

My Barclay account ending in XXXX was paid off less the amount of {$15.00}, this is a returned check fee which is in dispute, due to a returned payment in the amount of {$50.00}. A replacement payment was made, which did in fact clear my bank, contrary to what a XXXX XXXX claims, a bank statement was provided and complaint marked as duplicate to avoid addressing it. The account was later paid off less disputed fee, additional interest brought the account to {$27.00}, account was later credited this amount.. XXXX claims it was credited as assistance related to covid-19,  this information is entirely bogus ... I can assure the CFPB account assistance does not include waiving fees/interest in this case. I attempted to clarify this by calling and speaking with customer service reps, was on hold for well over a hour and no one picked up. I am also attempting to clarify if account sent to collections or not, if so, I need the name of collection agency.. Additionally, I've called directly to number provided in prior CFPB responses, it appears leaving contact info is entirely pointless, the rep does not accept or return calls, a total of three messages left and none returned.. Further, the rep likes to include copies of her past replies which is also pointless, will refuse back if mailed to me. Unfortunately, this rep appears to be the only person replying on behalf on Barclays, no reasonable rep available to reply and or speak with.
Consumer complaint received 2020-01-27
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. (CA)

I have sent multiple letters to XXXX, XXXX, transunion and have also disputed this collection account by the name of the bureaus online and have not been able to delete this account which i have no knowledge of or no contract with. This account The Bureaus has multiple errors reporting as well which ive stated to them before
Consumer complaint received 2018-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX my wife and I contacted Capital one about a bill we received that was not our purchases and what we concluded was there was a error created by capital one. Which was that In XX/XX/XXXX I added two authorized users to my account with only providing authorization for one person  obtain a credit card. However, the third authorized user already had a personal account with Capital one. In XX/XX/XXXX the third authorized user with her own personal account lost her credit card and proceeded in XX/XX/XXXX to contact Capital one for a replacement at that point she gave her social security number and Capital one located both accounts but made an error and sent her a card for the account that I am primary over without my authorization or even verification of the account because she has no knowledge of my personal information. Once we tried to explain to capital one we spoke to a rep and two levels of supervisors one by the name of XXXX XXXX who provided horrible, disrespectful Customer service.