davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (TX)

So I get this debt that XXXX XXXX XXXX XXXX claims I owe them {$210.00}. Thats funny cause I spoke to their CEO on this situation, they claimed they would make it right. I mean how man times does a hospital misdiagnose people, I mean lets take example here when I come down sick they walk in take my XXXX listen to my XXXX and say I have an XXXX XXXX  XXXX how do you diagnose that, so at this point I get a 2nd opinion from another medical facility that took the time to run the tests, they examined my XXXX even doing an XXXX of my XXXX. They found nothing wrong within my XXXX but they did find out that I had XXXX XXXX and an XXXX XXXX. 

So after speaking with the Parent Company of XXXX  XXXX XXXX XXXX  and their CEO and their Director of Emergency Care they both claimed they would make this right but apparently that must have been a lie right to my face cause they wan na charge me for WHAT misdiagnosing me, maybe I need file a complaint with the TEXAS MEDICAL BOARD cause this hospital constantly misdiagnose people, nothing against the company its the staff the needs to be overhauled
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

As you know I am a victim of Equifax Data Breach and they illegally sold and bought my information and my identity was stolen. It is under investigation with CFPB, XXXX XXXX XXXX XXXX, and Ohio Attorney Generals Office. Even though it is under XXXX investigation XXXX XXXX illegally sued me and cost me lots of time, headache, and money. They dismissed the case voluntarily on XX/XX/year>. I want this account removed from my credit completely and if it is illegal to sue someone while the account is under investigation I wish to press charges and to be compensated.
Consumer complaint received 2018-09-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Fidelity National Information Services, Inc. (FNIS) (IN)

COLLECTOR INGNORED CEASE AND DESIST AND DON'T CALL ORDERS ... AND NOW IS REPORTING ON CHEXSYSYTEMS, XXXX AND OTHERS IN VIOLATION OD THE DODD FRANK ACT.
Consumer complaint received 2017-09-19
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. (NY)

I previously had a loan with XXXX XXXX XXXX. As part of a written agreement, the account was to be removed from all three credit bureaus. At this time Equifax is refusing to remove it even with proof that the account was to be removed by the financing company. I 've complained on Equifax with no results. I also provided the same letter mailed to me by such company and yet Equifax is the only Credit bureau still showing the false information.
Consumer complaint received 2017-10-09
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (GA)

I have received repeated phone calls from Navient regarding student loans. I have attempted to arrange payments with them in the past and they declined the amount saying it was not enough. Given their refusal, I informed them that in that case I will not be paying anything. 

Since doing this, a representative from Navient has called my cellular device on a number of occasions and I have asked them to please and they persist. In addition, a representative from Navient has proceeded to call my family, friends and place of employment in an effort to harass me.
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (GA)

This account was paid in full of XX/XX/2017. I called the representative to verify and they stated that i was never delinquent or missed payments. The account is in good standings. The representative said they will have all credit bureaus remove negative items but nothing has happened
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This account was paid off and the company did not reflect this on my credit report and it needed to be updated once they have received there payment in full. 

Last Reported XX/XX/XXXXCreditor Name XXXX & XXXXAccount Type Charge AccountAccount Status Closed - DerogatoryOpened Date XX/XX/XXXXClosed Date XX/XX/XXXXLimit -- Term -- Monthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status Collection/Charge-OffWorst Payment Status UnknownDate of Last Payment XX/XX/XXXXAmount Past Due $ XXXXTimes 30/60/90 Days Late 0/0/0Remarks Charged off as bad debt
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed my FCRA rights as my accounts are reporting inaccurately. I was sent yet another inaccurate false credit report by Transunion. I called in to get information on what and how things were verified and was told they could not give me the information but are reporting information. The XXXX XXXX account has a inaccurate and incomplete pay history. It does not go in chronological order nor does it match any to the details they have listed. If the account was closed XX/XX/XXXX how can it be a maximum delinquency and 120 days late XX/XX/XXXX? I spoke with a man named XXXX XXXX XX/XX/XXXX at TRANSUNION and he said he had no access to information. Which in not ethical. I would like all of these inaccurate accounts deleted because TRANSUNION is falsely reporting information. Also the name address and phone number to these creditor are not correct or updated. I spoke to these companies and NEITHER FROM ALL THREE COULD PROVIDE ME WITH DETAILED information on these accounts said they no longer have full account details. So how can they report this false information
Consumer complaint received 2020-12-08
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: WELLS FARGO & COMPANY (CO)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX . No contact information has been reported by this creditor. 
On XX/XX/XXXX, WELLS FARGO XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-09-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (NY)

I consolidated all my student loans in XX/XX/2017 I was with XXXX XXXX and the company I thought I was consolidating with ( XXXX XXXX XXXX XXXX ) charge me {$190.00} for 3 months they were some kind of clearing house for the government in student loans and my payments would be {$98.00} a month for 12 months then it would go up because I was on the Income Driven Repayment Plan now I had to re-certify and because according my income forms I made {$5000.00}. more than last year because I retired and went back to work my payments are now 5 times more than I was paying, they want over {$500.00}. a month and my husband does not help me with any bills, but we file jointly my husbands income only benefits me with food and car insurance that's all he pays in house hold bills. Perhaps if I filed married filing separate would help me I don't know I will have to check into that. For now, where do I stand. Let me back up here, the company I am dealing with is Nelnet with the U. S. Department of Education logo on it, their address is XXXX XXXX XXXXXXXX XXXX, XXXX, Ga XXXX. I can send you any information you need via US Postal.

I hope something good comes out of this for me, because I could be drowning in debt if I paid what they are asking. P. S. I never got a degree for all the student loans I have, but an education with a XXXX grade average, at test time left too many blanks airgo did not pass and no degree or certificate.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Per attached letters from XXXX my account was only one time XXXX late and XXXX XXXX was open from XX/XX/XXXX to XX/XX/XXXX. Per the attached credit report neither of these accounts are reporting as their letters state.
Consumer complaint received 2018-09-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I owned a house at XXXX XXXX XXXX, XXXX XXXX XXXX, WV. through Bank of America. ( Account # XXXX ). My ex-wife and I divorced in XX/XX/XXXX and house awarded to me with the stipulation that it be sold. Ex-wife had not made payments during marriage and I got a HUD loan to catch up on payments. Was unable to sell house and county court reversed decision and awarded house to ex-wife, XXXX XXXX XXXX XXXX in XXXX. In XX/XX/XXXX, flood took the house. Had flood insurance and Flood Insurance Settlement BANA paid mortgage off in XX/XX/XXXX. HUD loan was attached to mortgage in refinance. Since that time, I have been paying the US Dept of Treasury for what I thought was a school loan, but after contacting them found out that it was for a HUD loan on the house. I told them that the mortgage was paid off from flood insurance, but they did not get paid off. This should have been paid off by flood insurance. The Flood Insurance Settlement ( BANA ) claim number that should have paid off this debt is XXXX. Please help me settle this. I have to pay {$180.00} dollars monthly to HUD and my wife and I live on a fixed income.
Consumer complaint received 2021-07-02
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (AL)

I have attempted to contact this collection agency on numerous of occasions asking them to verify information relating to a debt that they say I owe. I ask for validation within 15 dates of my request to only have XXXX XXXX to send an email saying the account has been updated but none of the information I requested has been verified. I need validation of date of service and original owner of per said debt.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NC)

The company XXXX sold my account to a collection agency by the name of XXXX, XXXX ( XXXX XXXX XXXX ) and I paid the account off through that agency on XX/XX/2016 in the amount of {$240.00}. XXXX XXXX has updated that info and removed it from my credit report while XXXX refuses to update the account nor remove it. I have spoken to reps with XXXX and they wont even listen to me. This account needs to be updated in their system and also removed from my credit report just like the company that they sold my account too.
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I keep disputing a supposed collection account on my credit report from ( XX/XX/2006 - XXXX ). I have disputed this account with Experian multiple times and they keep updating it as a collection that I recently paid off. I even went so far as to call that company ( XXXX ) and get a letter of perfect account history and a letter asking them to remove the incorrect item. I sent Experian certified letters regarding this matter and they will not delete it from my credit report. " Hypothetically speaking '' if I had a collection account from 2006 ( i did not ) " and that was 10 years ago anyway '' I requested a credit report and dispute from them multiple times but it is still not removed. How do I file a complaint or sue them for defamation and stress? Who can i complain to, where will i be able to file suit in court against them? My Experian credit report number is XXXX.
Consumer complaint received 2023-03-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

According to the Federal Act everything on my consumer report should be 100 % accurate. How did the company do an investigation to my account if its reporting different information in every bureau. Please delete derogatory misleading information. XXXX XXXX ; XXXX I have attached a copy underwriting misleading information. You are violating my rights under 1581USC 1681A ( 2 ) a ( i )
Consumer complaint received 2018-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: REGIONS FINANCIAL CORPORATION (TX)

On XX/XX/2018 there was a fraudulent transaction on my account for the amount of {$140.00}. I filled out a fraudulent transaction form and sent to the company as per their policy. The company later responded with the following : Dear Valued Customer, The Fraud Investigation team has completed the review of your claim related to unauthorized charges for Case Number : XXXX involving card ( s ) ending in : XXXX. 

All fraud claims are reviewed in compliance with federal regulations, Cardholder Agreements, and MasterCard rules ( when applicable ).

Upon review of the available information, which includes but is not limited to transactional data, account history and information which you have provided on the dispute form, it has been determined that the charges in dispute are not covered under your Cardholder Agreement, and therefore we are unable to approve your claim.

Your Cardholder Agreement states : Federal Regulation Z for Business Use : You agree in any event that if at any time you have been issued ten ( 10 ) or more cards at your request, then you waive any and all limitations of liability for unauthorized use of such cards.

While our real-time transaction monitoring systems are examining your account 24/7 for suspicious activity, we recommend that you frequently review your account for unauthorized purchases. Customer service is available 24/7 if you'd like assistance on the best way to use our online tools to monitor suspicious activity.

For questions regarding your Cardholder Agreement, please call the Customer Service number on the back of your card.

Thank you for your patience in allowing us to complete a full investigation of your claim. We appreciate your business and look forward to serving you in the future.

Respectfully, Fraud Operations, Investigations Unit While the information in their response maybe true, it does not apply to my complaint. This was not an unauthorized use of a card. The card in question was in my possession at the time the fraudulent transaction was made and therefor meaning the card wasn't actually used at all. I would assume this was a electronic credit card fraud but either way the company is unwilling to answer me and don't seem to care.
Consumer complaint received 2018-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (OH)

I have received 3 phone calls from Diversified debt collectors, very crude verbally, said it was for XXXX XXXX XXXX, I have never had an account with XXXX XXXX XXXX, never received a bill or phone call from XXXX XXXX XXXX, I have never been late on any payments in XXXX years!, I  looked up Diversified on the internet, found many complaints, they have been reported to the XXXX many times
Consumer complaint received 2021-02-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I went to chase on XXXX XXXX in XXXX florida XXXX the ATM Jammed I bagged on the atm and then immediately went to branch to have the open the Atm the person branch was rushing and called in the claim. He never went to to the ATM and checked he never shut the ATM down. Even after I asked him. The bank put the credit back into the account on the next business day I though always good now today XX/XX/XXXX XXXX they reversed the claim stating they could not fine the money I called and asked for a manager and I wven told they need to look at the cameras at the ATM and the branch it only took me 1 min to park my car and go into the branch. The bank now is accused me because I am.XXXX single mother of stealing??? When the branch employee who is XXXX  failed to do his job. And shut the ATM down He admitted to this ATM also getting XXXX. And said it no big deal but now I am out XXXX because of them failing to do there jobs both in the branch and back office. I feel o was radically profiled and will bring this full force against the branch.
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MD)

I tried to open a checking account at a national bank using their online process and was declined due to a credit check with Experian. 

So, I requested a free credit report online from Experian and entered all my info. I received a message that they have an internal error and could not provide report and provided a phone number to call. I called the number during their posted regular business hours and was stuck in an automated response system that had no options about free credit report and could not connect to a live person. I tried both online and calls several times over several days with same outcome. 

I have free credit reports from XXXX and XXXX and there are no credit issues at all. I have a very high credit score. I believe the bank 's online process rejected me because they are unable to get a credit report for me from Experian - as opposed to bad credit. 

Experian is now affecting my ability to do simply open a checking/savings account. I am not trying to get credit. Experian should be regulated and penalized for their incompetence and its impact on people 's lives! So, should XXXX, the bank that relies on them.
Consumer complaint received 2017-09-19
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. (CA)

I have just travelled back to the USA from XXXX, I was gone for 2 years in which I have been a victim of the TransUnion XXXX glitch in XXXX. I had pulled my report in mid XXXX to have noticed XXXX hard inquires, then I check back recently to see more than XXXX on my report. Which - none of them are mine. 

To my understanding credit inquiries to be removed and then re-inserted ( which were n't mine to begin with ) means TransUnion was in breach of FCRA 611 5 ( b ). 

It is unlawful and in my protection as a consumer to report this activity to higher authorities. I will take lawful action if these hard inquires are not removed. 

The agent on the phone with TransUnion was rude and provided little to no enthusiasm to help despite telling her that I was to be wed soon, and that credit is a big deal to me. 

Nothing happened. I am a victim. 

I feel violated, and my trust abused. 

This phone call transpired XXXX XXXX XXXX XXXX at a direct line : XXXX ( XXXX ) XXXX The inquires I need to be deleted are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XXXX/XXXX/XXXX Individual XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Requested On : Inquiry Type : Permissible Purpose : XXXX/XXXX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WA XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XXXX/XXXX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XXXX/XXXX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX -- - In addition, I have stayed diligent in my attempts to reach a supervisor to which I was hung up on numerous times. This is n't right. 

My name is XXXX XXXX and I can be reached at ( XXXX ) XXXX - email : XXXXXXXXXXXX Address : XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX, ca XXXX
Consumer complaint received 2016-01-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NY)

I was not certain what category to choose, as the accounts on my credit are XXXX different ones. I have a late payments on my report that are unverified and the bureaus have not conducted a proper investigation. If they had, these late payments would have come off as I was never late on these accounts. I am not receiving proper correspondence from the bureaus and at no time have I received proof of late payments reporting on my credit file. My right to demand this is pursuant to section XXXX of the FCRA as well as XXXX where they must legally verify with proof of immediately remove. I continue to receive documentation stating that I must go straight to the creditor because this has been " verified '', when in fact, the bureaus have the responsibility of doing this and can not put the burden on me. See XXXX XXXX TRANSUNION. If I have to, I will sue them, but if they did their job, they would see that this is inaccurate and must be removed. According to Congress, the bureaus MUST verify that the information on my report is accurate, and must go beyond the original source of information once I notify them that this is inaccurate. They have not done so, and I can prove that I have notified them multiple times.