davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Society Business Services, Inc. (AZ)

Letters received XX/XX/XXXX, XX/XX/XXXX, dated respectively XX/XX/XXXX, XX/XX/XXXX. Previous letters received from XXXX XXXX XXXX over the past year since XX/XX/2019. Bill amount XXXX. The Bureau of Medical Economics ( possibly fraudulent collections agency ) is  threatening, " Considering what additional collection efforts may be necessary to ensure the outstanding amount is paid in full. '' XXXX XXXX XXXX and the Bureau of Medical Economics ( Collections Agency ) may be fraudulently scamming me to pay for fake medical bills. My medical insurance covers all medical bills. Otherwise, there has been a mistake on either the insurance companies part or those companies that I can not resolve on own. I have spent over 10 hours talking on the phone, providing personal information like insurance, birthdate, addresses, searching through a years worth of documents looking for past bills, etc.. I have called the hospital, auto and medical insurance, XXXX XXXX XXXX and the Bureau of Medical Economics. I have gotten a family member on the line during the calls. I receive backdated letters, e.g. a letter I see the very day it is delivered is dated 4 weeks prior and claims I have 4 weeks to resolve the issue. Over the phone, The Bureau of Medical Economics, was not able to tell me the dollar amount of the bill until they calculated new numbers after I told them the final sum. They've claimed the issue is resolved after each of several times I've called each company, only for me to receive another letter in the mail. They will not send me anything in the mail saying the issue is resolved. XXXX XXXX. XXXX. said I have an extra 45 days, after notifying the collections agency within 3 secs that the collections agency mustn't be involved any longer, yet I received another letter from the collections agency. The address for the collections agency is a P.O. box.There are 6 complaints filed against the Bureau of Medical Economics through the FTC and the XXXX Reviews of the Bureau of Medical Economics includes tens of complaints about scams. The Bureau of Medical Economics Website Link on XXXX Sometimes leads me to a " You have won a XXXX dollars scam page with party streamers, '' so on and so forth.
Consumer complaint received 2019-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (SC)

The following accounts dont belong to me. Each company have failed to provide proof, and still reports inaccurate on all 3 credit reports. I would like them removed as soon as possible because I have no knowledge of these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-06
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. (AR)

In accordance with the fair credit act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX 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, XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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, Has Violated My Rights. 
15 u.s.c. 1681 section 602A states I have the right to privacy.

15 u.s.c. 1681 section 604 a section 2 : it also states that a consumer reporting agency can not furrnish a account without my written instruction.

15 U.S.C. 1681c. ( A ) ( 5 ) section 5 no consumer reporting agency may not make any consumer report containing any of the follwing items of information.any other adverse item of information other then records of convictions of crimes which adtedates the report by more then 7 years. 
15 u.s.c. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer related agency if the person knows or has reasonable cause to believe that the information is incorrect.
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (MA)

Received phone call from Dynamic Recvy XXXX, stating that I owed a debt to XXXX for XXXX They had my current address and the supposed date of when I opened my account with XXXX. 

I explained I dont owe anything to XXXX XXXX Man on the phone started getting upset with me when I told him this. Said I was basically lying and running from my debt. That I should just pay the debt. I said no, I will not pay anything that I do not owe. 
He said I could go on a website to pay and it doesnt have to be over the phone.
Consumer complaint received 2024-02-01
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)

Fraudulent inquires below XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX Important dates Inquiry date XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting 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. (IL)

Called Experian XX/XX/2024 requested they send me information as it to who verified the accuracy of the bankruptcies on my credit report and they hung up on me called back the other agent said XXXX however there is no public record of a bankruptcy na me submitting the information from XXXX XXXX  is not enough to remove it. Refuse to provide information.
Consumer complaint received 2022-04-06
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. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-06
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. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I contacted Capital one and said my ex-wife opened a credit card in my name without my knowledge and used my routing number and account number I sent also FTC report, my report and my documents, when i contacted capital one the customer service said I can have a refund, but I didn't, the credit card just canceled and capital one never contacted me. I will talk with my lawyer to sue Capital on the last number of my credit card XXXX it's the second complaint and Capital one never helped me and never contacted me.
Consumer complaint received 2022-04-06
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Synovus Bank (GA)

I have a " Synovus '' in house loan on a rental property that is listed as a commercial. loan.

Took out the Loan in XXXX or XXXX of XXXX. Have been paying over 6 %. Paid XXXX to XXXX down on signing loan. I tried to refinance and take out some equity and was denied stating that I was not " profiting on property '' Which I never intended to. Just planned on renting it and making payments to have for the future. 

I paid XXXX down initially on a {$100000.00} loan. Only owe {$40000.00}. 

Property is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Loan # ends in XXXX Thru SYNOVUS Bank which use to be XXXX XXXX XXXX. 

Banked with them for many years. 

Please help if you can. Thank You XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Cell : XXXX
Consumer complaint received 2021-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates tried to sue me in 2015. The suit was dismissed in court. However they have for several years since, tried to contact me several times, by phone and by letter, trying to get me to pay the debt. I have asked them several times to stop contacting me and they have refused.
Consumer complaint received 2022-04-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2021-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

PLEASE ADD THIS COMPLAINT TO ORIGINAL : XXXX AS TRANSUNION COULD NOT FIT. My credit score dipped XXXX points in XXXX. I now see remarks on all my files from XXXX just because I disputed and they filed in their favor. I will soon be buying a new home and my score is in the XXXX! I was in the XXXX 2 months ago. This is unacceptable. I have proof now that your forbearance plan shows NO DATA when I was paying mortgage in FULL after XX/XX/2020. I made a payment in XX/XX/2020, but since you set me up on the COVID plan. They forced the dates in XXXX. I also started paying right away and told XXXX that I no longer wanted the plan, but they did not stop this plan until XX/XX/2020 without my consent hence my unapplied payments I kept making and they having to manually enter them, but I paid my mortgage in FULL every single month I have had this loan. Like I stated before, the only months that were deferred were XXXX & XX/XX/2020. I just paid this loan off and I have paid back the {$1500.00} in FULL, but now having FORBEARANCE on my account is also going to hurt my credit. I have all my statements to prove this. So why are all credit reports showing NO DATA for all the months up to XX/XX/2020? Because XXXX did not report me correctly. This should show PAID as HUD paid those XXXX months for me and I want these remarks removed from my credit reports and especially my sister XXXX XXXX as she was not even living in the home anymore.
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$800.00}
Consumer complaint received 2022-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bay Area Receivables, Inc (FL)

I was notified by XXXX XXXX with Bay Area Receivables , Inc. ( Address : XXXX XXXX XXXX XXXX, XXXX, MD XXXX ) Email : XXXX that I owed a debt from XXXX XXXX XXXX in the amount of {XXXX}. The agency had reported this debt to the collection agencies. 
I stated that this debt was originally sent via XXXX XXXX XX/XX/XXXX via XXXX ( XXXX  ) but was not cashed. A check was resubmitted on XX/XX/XXXX and the check was finally cashed on XX/XX/XXXX. I sent this information via email with the claim details and check number on XX/XX/XXXX. 

On XX/XX/XXXX she claimed to have researched this information and stated the bill was not paid and I owed the balance and fees for collection. 

On XX/XX/XXXX I contacted XXXX XXXX and spoke with " XXXX ''. They handle the billing for XXXX XXXX XXXX. I gave her the claim details and check number. After some research, while I waited on the phone, she stated that she " found '' the check and would notify Bay Area Receivables. 

I again notified Bay Area Receivables. Then on XX/XX/XXXX I sent a copy of the check that had been submitted on XX/XX/XXXX and was cashed on XX/XX/XXXX. They did not notify the credit agencies and then I had to file dispute of claims with all 3 agencies. 
Bay Area Receivables has also not notified me that this was resolved and a correction made. 

I have Proof of Payment from XXXX that shows the cashed check for {XXXX} that was for payment of this claim. 

I also want to be refunded the fee that was charged to my credit card on XX/XX/XXXX for {XXXX} for " transaction fee '' as this was the error of XXXX XXXX, XXXX XXXX XXXX and Bay Area Receivables. 

I have spent hours dealing with this and Bay Area Receivables for a claim that was invalid and fraudulent.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX is reporting that I have {$360000.00} to Experian. I called XXXX and they confirmed I have no loans with them. My loans being serviced by XXXX. My credit report now shows double my actual student loan balance.
Consumer complaint received 2021-03-26
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. (MI)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

On XX/XX/XXXX I started disputing some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2021-03-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Designed Receivable Solutions, Inc. (TN)

I was visiting California and had to go to the XXXX XXXX. At that time and to present day my insurance was XXXX a XXXX policy. My policy covered 100 % of the medical expenses. All the other services for this visit was covered by my insurance. I don't know if the medical billing at the hospital failed to submit the claim accurately to the insurance company, but I'm absolutely positive I'm not responsible for the bill being a insured person. I have tried to get this resolved, but the company refuses to comply. To my knowledge, they would be able to resubmit the bill through my insurance and resolve any outstanding balances. However, the company neglected to take that course of action. They've now reported a collection account to the credit bureaus resulting in a negative effect on my credit rating and report.
Consumer complaint received 2017-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NY)

In the early part of this past summer we were having trouble with our local mail delivery so my wife called XXXX XXXX XXXX ( XXXX XXXX ) to ask what I owed since I did n't receive a bill. She was first advised that she was only an authorized user on our card and they would n't give her the amount owed. She explained phone call after phone call that all she wanted was the amount owed so we could do the right thing and pay for the items we purchased and finally, on XX/XX/XXXX, someone was willing to give her the information needed. She asked then very specifically and clearly for the total amount owed to XXXX XXXX on XX/XX/XXXX, was advised {$140.00}, and paid them over the phone with our checking account that full amount due. The company went out of business and the card was closed so it is not like they can say we owed more after that because of subsequent charges. Yet they instead sent yet another bill with more finance charges and late fees based on fees they claim they had n't billed us for. My wife called them last month and was advised this would be resolved and was promised a phonecall back but of course that did n't happen and we are once again receiving bills for late fees/finance charges they just keep piling on month after month for no reason. My wife called them today and was first advised that these bills would just continue as they did n't agree with my " dispute '' and when she called back to speak to them again they have reverted back to " we ca n't speak to you because you 're not the primary cardholder '' ( same XXXX. that started this whole mess back in XX/XX/XXXX when she called over and over again just to find out how much was owed so I could PAY them. ) I did the right thing pursuing paying a bill the USPS never delivered, gave the respect to XXXX XXXX it did not deserve by paying what I owed for purchases made by myself and my wife as advised by them ( XXXX ) and have had nothing but aggravation and unfair treatment from them. I am struggling to keep my head above water and do not need or deserve to have bogus charges/fees count against me on my credit history because of unfair credit card practices.
Consumer complaint received 2024-04-29
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P. (FL)

I did not know this account until I saw it on my credit report and I contacted the credit bureaus and alerted them I had no knowledge of this account and that it was fraud. Even with me reporting this to the credit bureaus they continued to report this debt on my credit file.
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NV)

On my XX/XX/2021 statement my bank charged me {$30.00} for a payoff statement that they claim was ordered by a loan processor for a refinance I was applying for. Instead of charging the refinance company, they surprised me by tacking the {$30.00} onto my next mortgage payment. I wasn't aware that the refinance company had ordered anything. 

I called my mortgage bank in XXXX and in XXXX and asked them about it, and they said I was to call the refinance company for a refund. When I advised them that this is a HOEPA violation, wherein HOEPA part of RESPA banns charging for payoff statements, they arrogantly stated that they charged this amount because the refinance company requested a fax or email and they are merely charging a servicing fee. Whether or not the payoff was sent via fax or email, I have no idea because I wasn't party to the transaction between my mortgage bank and the refinance company. 

I don't believe they can charge me for a payoff even if it is faxed or emailed, and if this ridiculous reason for charging was allowed, I don't think they can charge me for a transaction with another party, when I wasn't involved in the decision of how the information was sent. I feel that they are trying to get around the RESPA/HOEPA law that banns charging for a payoff statement and taking advantage of their customers.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Having proactively sought contact with Experian to dispute the hard inquiries on my credit report, I was consequently informed, to my disappointment my request had been despite my persistent effort. I have thus taken the liberty of filing this report to emphasize my commitment to safeguarding my rights in this regard I wish to reiterate that the following items were not authorized by me 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 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 Please Delete all of Transactions that are above.