davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Management Inc. (TX)

My oldest child XXXX XXXX was in a significant accident on XX/XX/2016. She was taken to XXXX 's hospital because of the severity of the injury and kept overnight with emergency XXXX the next morning. The accident occurred in a gymnastics center in the area. Not only did XXXX have medical insurance and coverage supplied through her father 's employer she also had additional coverage for catastrophe by XXXX XXXX XXXX. I have been constantly harrassed about a bill from this medical group because they did not file as requested by both my husband and my self for the additional coverage. I have documentation of all correspondence with XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. This company is fraudantly trying to ruin my credit by insisting that I pay them money they have already been paid and that I do not owe as insurance covered all expenses in full. XXXX XXXX XXXX turned this into collections and it in no way has anything to do with me! Again, simple solution they are covered in full, XXXX XXXX XXXX has copies of the bills and correspondence was that if XXXX XXXX provided them with the specific itemized bill it would be paid. Companies like this collection agency should not be allowed to exist when they have complete control over getting paid. This is harrassment to attack my credit report, continue to call my phone etc.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have unauthorized credit inquiries on my Credit Report. XXXX XXXX  on XX/XX/XXXX, XXXX 's XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have unauthorized credit inquiries on my Credit Report. Transunion XXXXXXXX on XX/XX/XXXX, XXXX 's XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP (DC)

On XX/XX/2020, I had a payment of XXXX that was do for my vehicle. Which was late because I was sick with XXXX XXXX. I reached out to American Honda fiana. They said they couldnt help resolve the matter.
Consumer complaint received 2024-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

After a friend 's XXXX account ( and XXXX messenger account ) was hacked, I was under the impression I was communicating with him about purchasing his father 's auto. 

The scammer also provided the street address where the car could be driven which checked out. 

The scammer then sent me to Paypal and requested I transfer {$1000.00} to hold the car. He also requested I use the friends and family option. 

As soon as I made the transaction I got suspicious and requested the money back. The scammer refused and I immediately contacted PayPay. I didn't receive a response until the following day. I continued to correspond with PayPal, letting them know this was fraudulent and a hacked XXXX account, and they said they would get in touch with the recipient. They told me that during three different chats. I never heard back from them. 

I was advised to inform my bank of the fraudulent activity, which I had, and closed my bank account. I also cancelled my XXXX XXXX account which was a back-up payment method for PayPal transfers XXXX 

Fortunately, PayPal waited days before attempting to get the money from my bank account, which they could not because I had immediately closed it due to fraud. 

PayPal now is showing a negative balance of {$1000.00} on my account, and refuses to close my account. I imagine they may eventually start trying to demand payment and/or file something with a credit reporting agency.

My complaint centers around : 1. Before PayPal agreed to make the transfer, they said they needed info from me and requested my friends name. I reasonably interpreted this as a check that the person I was sending money to was my friend. I entered my friend 's name ( XXXX XXXX ) and they " fronted '' the scammer {$1000.00}. 

2. PayPal did not follow-up with re : their promise to contact the recipient ( scammer ) on my behalf and have the money returned 3. PayPal 's process allows recipients to block senders immediately ( or soon after transfers ) thus I was unable to contact the recipient through PayPal.

4. PayPal apparently has no recourse, or no delay, in sending money to recipients, thus when I let them know there was fraud, they claimed it had already been sent 5. Although PayPal is using the defense that " you have sent money from the same IP address, '' I have never sent more than {$100.00} to a " friends and family '' nor a legitimate business before. PayPal had no safeguards in place to protect such a large amount of money ( {$1000.00} ) from being sent to a scammer - and also, didn't seem alarmed or have any protocol for an unusually large first time transfer from me to a recipient I had never sent money to before
Consumer complaint received 2019-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

XXXX TD BANK Acct # XXXX {$100.00} Reversal charge I am in the middle of changing banks from TD XXXX XXXX  to XXXX in XXXX XXXXXXXX  I set up a transfer of money from TD checking account {$630.00} over to XXXX Acct # XXXX The transfer went fine, over to XXXX A couple of days later, The money at XXXX was transferred back to TD Bank without my permission or knowledge TD charged me {$100.00} reversal fee I went to speak with both banks in person and no one can help me with anything They are pointing fingers at each other So far, out of the {$790.00} Social Sec XXXX Child check I have been charged {$100.00} twice in fees from TD Bank See prior complaint Thank You, Please help We need my sons check to live
Consumer complaint received 2019-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

I'm in the process of cleaning my credit and came across this account in my file. I'm unaware of this account and it's association to me. Please provide validation as per the fair credit reporting act. Please send copies via mail of original documents with signature, breakdown of charges and balances.
Consumer complaint received 2020-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On or before XX/XX/2019 this company purchased an old Business   Debt/Loan from XXXX XXXX that our XXXX had acquired. Now they are harassing for payment and has decided to place it on my personal credit report. 

Also, on XX/XX/2019 I notice there's a credit report inquiry from this company. I didn't grant permission to this company to pull a credit report. This is illegal. I also have just recently seen that I have a new derogatory mark on my XXXX  and XXXX  credit reports. 

Account Number - XXXX
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have address on my report that does not belong to me. I have never lived at the address stated on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Mo XXXX XX/XX/XXXX. Never have I lived in Missouri or XXXX XXXX XXXX
Consumer complaint received 2021-11-11
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 — Their investigation did not fix an error on your report
Company: NBT BANCORP INC. (OH)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
Consumer complaint received 2021-05-04
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. (MI)

I have sent multiple letters to all 3 credit bureaus regarding this INACCURATE information on my report. The company that they all told me that verified the bankruptcy sent me a letter stating that it is inaccurate and I even went to the court house to get a letter and it also states that they have no information. TransUnion is lying and violating my rights as a consumer.
Consumer complaint received 2022-04-27
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)

XXXX XXXX XXXX- {$770.00} Description : XXXX XXXX XXXX has written and called, and has reported this inaccurate information on my credit. I have disputed these account online several times. The last letter from XXXX XXXX XXXX was on XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

Without ANY notice, Discover locked my account and forced me to release my personal tax transcripts before I could ever use my card again, and for the first time after being a customer for 7 years and never having a late payment. 

I was forced to close my account as I have not filed taxes yet and was not able to release returns that were not filed, especially after COVID and my income being hit from the pandemic. 

I don't know how this can possibly be legal, so I just want this on the record of complaints for Discover, for when there is a class action or further action that can be taken by government agencies. They should verify income when creating the account, not lock my account RANDOMLY after 7 years of on time payment and good account history, during a pandemic.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NJ)

On XX/XX/XXXX I contacted SELF FINANCIAL/LEAD BA to inform them of the inaccurate information being report to the credit bureau XXXX My account is closed but the account is reporting open. This account is reporting inaccurate late payments to all 3 credit bureaus. 
The list contains : 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 

SELF FINANCIAL/LEAD BA is refusing to update any inaccurate information until a balance of {$440.00} cent is paid. 

I have also contacted all 3 credit bureaus by letter & phone of these inaccurate reports. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.
Consumer complaint received 2021-11-11
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 — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc. (TX)

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the CREDIT COLLECTION SERV ( Original Creditor : XXXX )  still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.
Consumer complaint received 2021-05-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY (MA)

in XXXX of last year I met with the president or who represented himself as the president of wells and fargo in the XXXX Massachusetts branch. XXXX XXXX nmls # XXXX represented himself and an investor by the name of XXXX XXXX. they received notice through mr XXXX XXXX daughter that I was looking to sell a stake in my company that had social equity status with the state. Mr XXXX arranged for me to meet him at his office of wells and fargo and said that he could get me the money I needed for my company through wells and fargo misrepresenting the fact that wells and fargo does not invest in XXXX  due to it not being federally legal. Upon arriving at the meeting I quickly realized that all they wanted was information privy to me from the state of Massachusetts and my cousins ( who is a executive at XXXX ) position on XXXX. I would not oblige. Further I have filed a Police report as my XXXX ID account was hacked and XXXX has confirmed that my Business  Documents were downloaded to his cellphone on account of his daughter.
Consumer complaint received 2021-05-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (TN)

Unfortunately I have a Amerihome mortgage loan XXXX. 

On XX/XX/XXXX I was granted a home mortgage forbearance under the CARES Act. The initial forbearance was from XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX I called to extend the forbearance of my loan which was granted however on XX/XX/XXXX Amerihome sent a negative report to the credit bureau stating that I was behind on my loan 3 months. That forbearance was scheduled to ended XX/XX/XXXX after 3 months. On XX/XX/XXXX I called to extend the forbearance which was granted however on XX/XX/XXXX Amerihome sent a negative report to the credit bureau stating that I was behind on my loan 3 months. After speaking with multiple customer service reps they stated that t all the notes were in the request and they are not sure why the system is not picking up on the continuation. I have called the company on numerous occasion spoke with numerous customer service reps who consistently tells me that I am 4 months behind. However they can see the notes what I have requested a forbearance. Anytime I've ask to speak with a supervisor or escalate the situation to resolve I am unable to speak with a supervisor. On XX/XX/XXXX i received a letter and on page two, paragraph 7 the company states " Your loan is currently due for the XX/XX/XXXX installment of {$2000.00}. 

In closing as a federal protection bureau I would look into a Amerihome and the mishandling of the customers who should receive protection and not harassment and being reported to the credit bureau while under CARES forbearance. I receive multiple past due notice and XXXX phone call every week about past due amounts.
Consumer complaint received 2020-12-06
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$19000.00}, {$17000.00}, {$8000.00}, {$52000.00}, {$0.00}, {$11000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$52000.00} -This is not my account. 

6. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- PERSONAL ACCOUNT 8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

THIS IS XXXX XXXX. I cerify that i am the natural person XXXX XXXX so i shall be addressed as such. therefore i demand that you recognize me as the authorized representative and only me. I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY helping me so LET THAT BE CLEAR. I am a victim of Identity Theft & fraud. I contacted the Federal Trade Commission and filed complaints # XXXX and it is attached. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. BloXXXX and remove them. if I consented to these inquiries, please have a senior executive certify under the penalty of perjury that I in fact consented to these inquiries in writing under 15 USC 1681B ( a ) ( 2 ). furthermore, I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist.

I demand that the following account be verified or removed immediately : 1. FDCPA SECTION 807 Violation Misleading False Reporting I did not authorize this Inquiry XXXX/XXXX  Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once.

2. this company is in violation of 15 USC 1681n these fraudulent inquiries must be removed in 4 days 15 USC 1681c-2 XXXX Date of inquiry : XX/XX/XXXX As a Consumer by law this account must be deleted. 

3. this company is in violation of 15 USC 1681n these fraudulent inquiries must be removed in 4 days 15 USC 1681c-2 XXXX XXXX Date of inquiry : XX/XX/XXXX As a Consumer by law this account must be deleted. 

4. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT MIDLAND CREDIT MANAGEM Status Date : XX/XX/XXXX As a Consumer by law this account must be deleted. 





XXXX out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140. I also want compensation in the amount of {$1000.00} per violation for all the damages that I received to 15 USC 1681n. 

Thank you, XXXX XXXX