davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-10
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. (FL)

I have a issue that I hope you guys can help me with. I have reached out to the credit bureau numerous times and at this point I feel like I am being totally ignored. It all started when I noticed some unauthorized inquiries and account on my credit report. I then sent letters to the credit bureau and got no response, I then reach out to them by phone. I explained what happened and the agent told me that they can not remove anything from my credit report with out a police report, So I went and got a police report and sent it to them and still nothing. I then did a FTC report and sent that and I see some of the Inquiries came off but the account and some inquiries stayed on. then one day I am watching the news and I see Equifax saying they have been reporting the wrong information so I immediately go and check my credit and I see my score drop and the inquiries that came off back on and plus double Inquiries as well. the inquiries and account is as follow : ACCOUNTS : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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
Consumer complaint received 2018-06-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX a fee of {$450.00} dollars was charged by Navy Federal Credit Union for an appraisal. I was dissatisfied with the service and canceled the appraisal and closed with a different company. Navy federal has refused to refund the {$450.00} dollar charge and can not provide the appraisal since it was never completed.
Consumer complaint received 2017-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (TX)

The aforementioned credit collection agency representing XXXX XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX  and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation, they need to retract this from my credit file immediately.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2017-11-06
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (AP)

I purchased four XXXX XXXX cards for my kids and they have not been able to use the cards. When trying to reedem the cards, they receive an error. After contacting XXXX, I still not been able to get my funds back.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Let me state this I am a XXXX combat veteran who was marked XXXX  by XXXX XXXX. 
XXXX XXXX in XXXX of XXXX or XXXX I believe marked me deceased. I tried to pay my bill online it said closed. I called to pay and they wouldnt let me pay. They said they didnt know why I couldnt pay. This went on for a month. Let me state this I am a XXXX combat veteran who was marked XXXX  by XXXX XXXX. They made no effort to fix it or give me suggestions on how to fix it. Finally after numerous calls and wasted time someone told me they marked me XXXX. I told them obviously this was untrue. They had no idea why I was marked as deceased. I asked her to fix it they told me they didnt know. They told me they had no idea why or how it happened or how to fix it. I watched my credit report get frozen from all bureaus. My credit report showed me is XXXX  for a period of time. I am a XXXX veteran and seeing myself marked as XXXX  was very traumatic. We feared my XXXX and mortgage would be frozen due to my social being marked as deceased. Everything I researched said I was XXXX. Eventually XXXX XXXX with no warning and no apology decided I was alive again. They sent my cards back, reopened the account. Before the account was marked deceased it had a balance of around {$800.00} and was current. When they reopened it, they added on interest, fees, and missed payments. NEW BALANCE SHOWS AS {$1600.00} with our entire balance from before as past due. They refused to remove these fees, interest, and past due payments unless we PAID a past due of {$600.00}. This was only past due and accumulated because of their error. I tried multiple supervisors. Most couldnt comprehend the situation or even tell me why. I am unable to purchase a home now as a result. Ive experienced an extreme amount of distress over this. I had to take off of work when it happened because they reported me XXXX. This is the worst display I have ever seen by a credit agency. I could have lost my current home, my VA XXXX that pays for my home, and had my bank accounts frozen. My other credit cards were frozen. My credit score is ruined. I can not buy a new home now as a result of their actions and neglect.
Consumer complaint received 2017-11-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Healthcare Financial Services of TeamHealth (PA)

Account : ARS Account Balance : XXXX Date : XXXX XXXX XXXX. This account is not mine continues to send letters Account : ARE Account Balance : XXXX Date : XXXX XXXX. This account is also not mines
Consumer complaint received 2017-11-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: M. Richard Epps, P.C. (VA)

a location company called XXXX is attempting to obtain emoployment verification by calling my employer repeatedly during the week of XX/XX/XXXX thru XX/XX/XXXX. After speaking to XXXX XXXX at this company and leaving voicemail and email with name of person to contact to verify my employment..calls continued and one co worker was told by the caller that I was seeking employment with their company and seh was calling for a job reference. This untrue statement has put me in a bad light with my employer as I am not seeking to leave my job. I dont know if this is a legal tactic and if not what can be done.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (LA)

I wrote Lexis Nexis on XX/XX//2023 to formally complain about the inaccurate bankruptcy reporting on my credit report, which they are maintaining. Despite providing evidence of inaccuracies that do not align with the information available on PACER ( Public Access to Court Electronic Records ) In a letter sent on XX/XX/ 2023, they stated their information was verified with Pacer, the reported bankruptcy remains on my records. 

I want to bring to your attention the following discrepancies that I outlined for them : Incorrect Information : The details of the reported bankruptcy do not align with the accurate information available on PACER. This has resulted in an unjust impact on my credit score and overall financial reputation. 

Documentation : I attached the relevant documentation from PACER, clearly indicating the inaccuracies in the reported bankruptcy. It is imperative that LexisNexis reviews this documentation and rectifies the information accordingly. 

I kindly request that LexisNexis promptly investigates and rectifies this matter. I have a right to accurate and fair reporting of my credit information, and the inaccuracies must be addressed promptly and on time. 

Enclosed, please find copies of the relevant documentation supporting my claim. I trust that LexisNexis will thoroughly review this evidence and take the necessary steps to correct the inaccuracies on my credit report. 

I appreciate your prompt attention to this matter and expect a resolution within [ a reasonable timeframe, e.g., 30 days ] from the date of this letter. Please confirm in writing once the corrections have been made and provide me with an updated credit report. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2021-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

my wallet was stolen a few years ago out of my purse while i was traveling, since then my identity had been compromised and accounts and inquiries have been done in my name this is a identity theft dispute. ive tried reaching out to the company couldnt get the proper assistance ive even sent my supporting documents to the bureau and im not getting any response.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

I canceled with experian.com back in XX/XX/2019, and they continue to run my credit card even afer cancelling, so i had to discontinue my debit card and get a new one, well they called master card and got my new card information which XXXX. With experian you are unable to get a live person on the phone to handle anything and on there website where you are suppose to be able to cancel they take you through the loops you are just unable to cancel anything.They cahrged my debit card in XXXX and XXXX and now thy will charge it in XXXX. i tried calling in several times and unable to get a hold to anybody. The website is a joke please help. 

Thanks
Consumer complaint received 2022-08-11
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: EQUIFAX, INC. (MN)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2021-07-06
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: Upgrade, Inc. (WY)

UPGRADE INC I have paid this account off and it was never late or missed a payment ; I called upgrade and they sent me a letter stating that I never missed a payment and was never late, XXXX  and XXXX  are reporting fraudulently that a missed/late payment happen XXXX of 2020. I have sent XXXX  and XXXX  this letter and this fraudulently information still is reporting on my credit report. Please have them remove this account all together or correct this account to correct statues.
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

In XXXX XXXX 2017, I noticed a collection from XXXX for {$590.00}. I had to leave my home due to a divorce, and my husband never gave me my mail so I didnt know a medical debt existed. When I discovered on XXXX I paid it immediately!
Consumer complaint received 2015-10-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (VT)

I secured a loan from Synchrony Bank on XXXX/XXXX/2015 for $ XXXXXXXXI repaid the loan in full on XXXX/XXXX/2015By mistake I paid again on XXXX/XXXX/2015I reported this overpayment of {$23000.00} on XXXX/XXXX/2015 and asked for my money backThey said they would send it within 5-15 daysThey never sent it. I 've called several times to request the money, most recently today. 
Now they are telling me I have to wait 5-15 days again!
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (MA)

I set up an automatic payment in the amount of {$80.00} instead they drafted the full account balance of {$870.00}. 

I called them as soon I noticed the draft on XX/XX/XXXX. I was told that I would receive a refund by more than one agent. The funds have still not been returned.

I spoke to another 3 agents today and theres s refusal to return the funds or to put in writing that they arent returning the funds.

They said they will conduct an investigationm that will take 5 more days. I asked why they didnt conduct this when I called last week.

How is it legal to not return money to someone asking for a return?
Consumer complaint received 2021-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MO)

On XX/XX/XXXX I discovered that my PayPal account had been charged for a cloud camera subscription I never signed up for. I had used the service under a one time charge in the past and there was no disclosure from the company that this was an annual subscription. 

PayPal gave access to the subscription signup to the company without my knowledge or consent. I filed a claim with PayPal and they denied it saying it was an authorized charge. The company actually agreed to refund money but never did. 
.
Consumer complaint received 2018-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (AL)

Amsher Collections continues to erroneously submit my account to the credit bureaus as a debt that has not been paid. This action was done as recently as XX/XX/2018. Amsher is fully aware that the debt ( {$160.00} ) has been paid but continues, in bad faith and against FCRA requirements, to report this account to several credit bureaus.
Consumer complaint received 2017-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (NC)

Received a letter from a collection company XX/XX/XXXX regarding a XXXX XXXX bill that I did not have. I filed a report with Identity theft recovery government site, and contacted collection agency. Collection agency did not at any time verify the debt, nor send me proof that the debt was mine at all. In fact they only told me to contact XXXX XXXX. The debt collection company did not do anything. I contacted XXXX XXXX and they did an investigation and concluded that this was identity theft and sent me an email stating that the debt was not mine. I promptly sent this to the collection agency, but they continue to harass me regarding this debt. 
Their latest letter is dated XX/XX/XXXX, and states to contact XXXX XXXX again. They have not complied with the FCRA, nor my repeated requests. 

Please have them correct this action and punish them for not following the fair credit reporting act. 

Collection company AFNI, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX
Consumer complaint received 2017-11-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (NC)

On XXXX XXXX,2017, my credit report revealed HUNTER WARFIELD INC, a collection company had submitted a debt in the amount of {$3600.00} to credit bureaus.These credit bureaus are reporting said debt, which these individuals have no right to collect on anything that was not provided to me with basic protections under the FCRA. Hunter Warfield inc, should ensure this information is correct prior to submitting it the credit bureaus as this is affecting my approval and credit score which costs me greatly in higher interest rates. Additionally, this collection agency may not have the authority to collect on said alleged debt.
Consumer complaint received 2021-07-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (MS)

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2019. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Consumer complaint received 2018-05-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (MA)

" SOUTHWEST SYSTEM " I see service with that company under my name in a credit report and I have no clue about it, no knowledge at all regarding this. 
The service was opened on XX/XX/XXXX at {$1700.00} and up and right this month of XX/XX/XXXX the bill is now {$1900.00} up. I need help regarding this matter. Please Help!!!
Consumer complaint received 2016-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

This bill was paid by a XXXX insurance that I had that with that company at the time. Once they finished paying the Conn 's I received a letter that it was paid in full. However now XXXX XXXX XXXX is now calling me after I sent them this information and then called them about this are calling me non-stop at least 3 to four times a day. each day from XXXX to XXXX I get at least XXXX phone calls. This is a harassing calls I have asked them to stop but they continue to do the same thing.
Consumer complaint received 2022-03-31
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. (FL)

In accordance with the Fair Credit Reporting Act the following companies have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

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

There must be written instructions by me to have anything reporting on my credit report and I never gave that authorization. 

1. XXXX XXXX XXXX XX/XX/XXXX {$350.00} 2. XXXX XXXX XXXX XX/XX/XXXX {$3000.00} Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX