davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONGRESS COLLECTION CORP (MI)

Congress Collections never sent me a notice of this debt or any chance to deny the debt before posting the collection to my credit which is a direct violation of my FCRA rights. This bill is for medical office visits which were incorrectly billed by the physicians staff. The VA covers my copay as I am an 80 % XXXX bet with XXXX XXXX as well as XXXX XXXX covered from my current job. The wrong insurance was billed. I filed a claim to have the Bill covered by the VA and it is processing. Any attempt to come after me for this collection is fraudulent and done in error. 

I asked Congress Collection to remove the collection from my credit report with all three credit bureaus and they refused is if punishable with a {$1000.00} fine. Restitution of damages to my credit will be sought. 

It is criminal to prey on veterans for collections when it has been proven they are covered by dual healthcare policies and then refuse to correct this collection during a pandemic which is making people seek medical care more often!
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

XXXX XXXX  reported me 30 days late in XXXX/XX/XX/2020. I contacted the company about the credit reporting of 30 days late. They informed me that they never reported me 30 days late. Despite them denying the fact that they reported me 30 days late in XXXX /XX/XX/2020, my credit report still reflects 30 days late in XXXX/ XX/XX/2020. Also, I filled out a credit dispute on the 30 days late with XXXX, Equifax, and XXXX. My credit reports reflect that dispute was resolved, yet I still have 30 days past due showing on my credit report for XXXX/XX/XX/2020. This issue never was resolved. 
My credit score dropped over 60 points from this misreporting/ error on my credit report. I'm suffering greatly from this misreporting and have been denied for car refinance loan and debt consolidation loan due because the 30 days past due and my credit score dropping over 60 points. Lastly, I contacted XXXX in XXXX and XX/XX/2020 via phone and letter. I never received any correspondence from the letter to XXXX at all.
Consumer complaint received 2018-03-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (WA)

I was told by Chase bank for three years that they would do a loan modification. They kept telling me that my paperwork was lost, lost in the shuffle due to them taking over a XXXX XXXX. Their computer systems were down during their transition and unable to reach me. 
After persistence from me, with the help from FHA, after fourth year Chase finally modified my loan. But in doing so, they wrongfully charged me {$50000.00} penalty for past due payment as a condition of modifying the lone. In doing so, my mortgage payment is much higher than it should be. 
Id like to add that I did tell Chase that I could make payment back then, but they were the one who told me to hold on to make the payment. Since the modification ( XX/XX/2014 ), I havent missed a mortgage payment. 

I feel strongly that they were in pursuit of taking my home as I am XXXX XXXX  homeowner, as I read many of stories of J.P. Morgan Chase and other mortgage companies were foreclosing on XXXX  homeowners. 
My next step is to go to news agency as well as my formal complaint with you.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The Bankruptcy listed below is needed to delete from my Credit Reporting. 
XXXXXXXX XXXX XXXXXXXX Amount : $ XXXX XXXX : XX/XX/2017
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (MO)

I need some help this is my 4th time reaching out, I did an investigation on my credit report which caused me to develop XXXX and XXXX upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXXXXXX. 


has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Thank you very much for your time.
Consumer complaint received 2021-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OR)

On XX/XX/2021, I received an email from PayPal stating that my account has been limited. The email states that PayPal had requested information from me which I haven't provided and he's the account has been limited which is not true. I received the email asking for information and stating that the account is limited at the same time with no prior notice. ( Ref ID XXXX ) I then immediately submitted all the information that PayPal requested from me XXXX That included a copy of my driver 's license, proof of address, bank statements and credit card statements of all my accounts and cards associated with PayPal as well as proof of ownership of those accounts, I also provided an explanation of the transactions PayPal had asked me about. I have read all of PayPal 's terms and conditions and I don't believe that any of my transactions goes against PayPal 's user agreement, terms and conditions or TOS Terms of Service. 

I then very shortly after received an email stating that I'm permanently banned from using PayPal ; without any explanation. I believe that this is either a discrimination against me personally or a system error. As nothing of what I do is against PayPal TAC and I have been using the service for several years now. I tried contacting PayPal several times and no one is helping I use PayPal to receive rebates on some products I purchased for the purpose of testing on my XXXX channel as well as often making unboxing videos of their products and providing designs and marketing advice for the manufactures. 
XXXX XXXX XXXX I have also previously used PayPal to send money to family and friends in the US and in my hometown in XXXX. I never had any issues with PayPal for years now and never had a dispute on my transactions ( Except one made by mistake and canceled later by the other party ). I'm asking PayPal to look into this matter and to reinstate my account again. If PayPal needs any additional information from me to verify my ownership of my accounts I'd be more than happy to provide anything that's needed.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-05-02
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: I.C. System, Inc. (FL)

First off I am impacted by covid19 so this debt should not be thrown to collections. I have no knowledge of this account. Several years ago I had an employee of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX sign me up fraudulently for contracts. I complained to attorney generals and the XXXX. I was told the employee was fired and i would have to sue them. I was also told it would be removed. Please help me get this off my credit report. Seems like some local XXXX Florida XXXX business tricks. Again.
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

I broke a lease agreement with XXXX XXXX XXXX XXXX After some back and forth, they determined this to be an uncollectable debt and they issued a 1099. They originally sent a 1099-misc, indicating I had received a {$17000.00} payment from them. I notified them that they should have sent a 1099-c ( notice of debt cancellation ) and they assured me that they would send me the correct form to indicate they " gave '' me over $ XXXX. Of course, they didn't " give '' me any money. They " gave '' me this money in the form of debt forgiveness. Both my XXXX and XXXX reports indicate I owe them the money that they " gave '' me, which is now considered taxable income for XXXX.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I have paid this company {$5000.00} on XX/XX/XXXX of XXXX. They claimed they have reported to the credit bureaus, but my credit has taken a hit & it still shows that I owe them money till this day. I have spoken to them today, XX/XX/XXXX of XXXX, to just get told that I have to file a dispute the credit bureaus & they cant do nothing else to help me, saying that they supposedly reported it already to the bureaus. But its been well over 120 days since my payment & instead my credit has gotten worse since then. They also have stated to me that they will contact the collection agency they hired & notify them that I have settled the account, but that remains untrue. The collection agency still shows up on my credit stating that I owe them money & that they havent received any notification from the bank I paid off. Which tells me that the bank is lying to me & has been continuously hurting my credit.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

Experion shows an incorrect D.O.B. on me. The agency show that I was born in 1911 with no month or date on their records. This would make me 108 years of age. I tried to fix the error online but they don't have a dispute area where I can fix the issue. I called the company and they refuse to validate who I am because their screening process refused to allow me to talk to anyone because they don't believe that I was NOT born in 1911. I tried to contact the company via XXXX and asked them to have someone call me directly so I can finally prove who I am and send them proof and they refused my request. 

The other two credit reporting agencies have my D.O.B. correct. I don't understand how an agency can't use common sense and take a direct phone call to fix the issue instead of someone stating that they can't fix my issue because I can't prove that I was NOT born in 1911. 

I would like to totally drop Experion as a credit reporting agency since they have proven to me that they are not a responsible business that can't be trusted. 

By law, can I totally drop Experion as a credit reporting agency? 

Thanks
Consumer complaint received 2022-04-28
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. (IL)

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/1996 Last 4 of SSN : XXXX Re : Letter to Remove Inaccurate Credit Information. 

To whom it may concern : This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following account is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance reported or not. 

XXXX Account # XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your investigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of receipt of this letter, or you must remove the incorrect information. 

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 Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Since the start of the pandemic unemployment claim, that my son 's father made before he asked my permission, I was awarded and retrieved the card from XXXX, who is my common law husband. I finally got the edd debit card, and it had almost XXXX. Within the first couple days all was fine, until I accidently lost the card. By the time I was able to report it missing the bank of america, who is responsible for all of the money being stolen. I received close to XXXX, according to the edd. Out of that I spent XXXX. So the rest of the money was electronically stolen by the bank at the same times I had my card. I have the bank statements that clearly show all the transaction history. I've made hundreds of complaints to the bank. They are identity theifs themselves at the customer service. And money laundering too. Liars and dishonest and fake ethics and compliance.
Consumer complaint received 2019-08-20
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: SYNCHRONY FINANCIAL (PA)

Sam's Club advertises a card thru Synchrony Bank offering a return of 5% on gas purchases, 3% on travel and 1% on everything else. I called and made sure that if I booked a trip through XXXX XXXX I would receive 3% if I paid with the card. I was assured this was the case. On XX/XX/XXXX The trip I booked was paid Using their card. On my next statement I observed that they had given me 1% for this trip, not the 3% I was told I should have gotten.  I filed a verbal and paper claim. Their response was everything was correct.  I called them and complained to a manager. I was told that although I had used a national service, XXXX XXXX, they are registered as a car company and as such I was ineligible for the 3%. I told them of the previous assurance and was told that because they aren't listed as a "Travel Agency" there was nothing to change. 1% was proper. I then asked if I booked through Sam's Club for travel would I get 3% and even then was told probably not as they aren't a "Travel Agency".  I asked how I, as a consumer, would know if a company was registered as a "Travel Agency" They said I would not. I asked if I could call them and ask if a particular company was a "Travel Agency" and was told until the filing came through they could not.  This, in my opinion, is a bait and switch advertising.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquires. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (MO)

I received a letter from Credit Bureau Systems , Inc. dated XX/XX/2022. It stated, " If you do not apply within 30 days of the mailing of this notice, it is our intent, to file a lawsuit and seek a judgement against you. '' The letter further goes on to state ( in bolded font ), " The above actions will not be taken sooner than thirty ( 30 ) days from the mailing of this notice. '' I however received a letter from the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX dated XX/XX/2022 stating they were notifying me that they have been instructed by Credit Bureau Systems , Inc., " to prepare a lawsuit against you regarding the attached medical bills. This action is being taken because, despite previous notices requesting payment, you have failed to make payment on the debt. '' Credit Bureau Systems , Inc. did not give me 30 days from the mailing on XX/XX/2022 to respond, apply, reach out, etc. before I received a threatening letter from a local attorney 's office. 

The Credit Bureau Systems , Inc. letter dated XX/XX/2022 only addresses ( Reverse side of letter ) legal action against a balance of {$5200.00}. Whereas the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX dated XX/XX/2022 addresses legal action against a balance of {$7800.00}. 

I did not receive notice from Credit Bureau Systems , Inc. about the potential for interest to be accrued in their XX/XX/2022 letter, the letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX dated XX/XX/2022 has in the subject line : " {$7800.00} plus interest from XX/XX/2022. '' The topic of interest is not discussed in any further in this letter but grossly assumed. 

I also received a Settlement Discount Program letter dated XX/XX/2022 from Credit Bureau Systems , Inc., authorized to offer certain tax season settlement discounts to XXXX XXXX patients. This offer was allowed to me if I responded within 30 days from the date of notice. However, I received the " Legal Action '' letter from Credit Bureau Systems , Inc. dated XX/XX/2022, less than 30 days of the dated Settlement Discount Program offer letter. 

Furthermore, XXXX : XXXX XXXX XXXX XXXX XXXX failed to mail multiple bills to my mailing address. I did not receive or was made aware of different bills totaling at least or at minimum {$150.00}.
Consumer complaint received 2021-05-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commercial Recovery Systems (CA)

Hello, XXXX XXXX an attorney called me from CRS and Associates asking me to resolve a matter out of court. He then explained to me that there was a paycheck advance that took place in 2016 for {$500.00} or something like that. I explained to him that I was a patient at a treatment center called XXXX XXXX XXXX XXXX, which in 2016 it was raided by the FBI and the state of California, for XXXX XXXX dollars of insurance fraud, and the owner was charged with countless other charges including XXXX and giving clients XXXX. I myself was a patient of this treatment center and there were many other versions of fraud that took place at XXXX. I tried to explain this him and he told me that I can talk to the judge. 

Those 3 years a lot of things happened, and I was under a massive amount of stress, and I am not sure if I was even sober when making the phone call since the owner of the facility was giving us drugs at the time. 

This is very stressful, and I would like to see if I can handle this as I am in college getting my life together and I feel violated.
Consumer complaint received 2018-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I have NO outstanding DEBT owed to anyone. This Business ; Portfolio Recovery XXXX XXXX, is a persistent bill collector " BOTHERS '' people without verifying who people are and without checking the " No Call List '' They have NO REASON to be calling me, my Credit is Excellent. Thank goodness only one " ring '' gets through, my phone carrier blocks automated phone calls ( robocalls ) I have talked to one of the Customer Service people last Wednesday, ( They do not CLEARLY identify themselves ) the person said she'd " have my number removed immediately ''. I've been disturbed twice since then, I was awoke this Morning ( XX/XX/2018 ) @ XXXX XXXX.