davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-28
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ARC Management Group, LLC (TX)

I CALLED ARC MANAGEMENT ON XX/XX/2019 TO ASK THEM WHY THEY PUT AN ACCOUNT ON MY CREDIT REPORT THAT WAS TAKEN OFF ON XX/XX/2019. SHE PRECEDED TO TELL ME THAT I HAD 19 CASES COME  THROUGH HER OFFICE. I TOLD HER THEY ARE NOT ON MY CREDIT REPORT AND AREN'T RELEVANT TO THIS CONVERSATION. I TOLD HER THAT SHE WAS TALKING TO ME LIKE SHE HAD NO PATIENCE TO HELP ME WITH MY PROBLEM. I ASKED IF THE CALL WAS RECORDED BEFORE THE LADY TOLD ME THEY SOLD THE DEBT BACK TO THE ORIGINAL CREDITOR. I THEN ASKED WELL WHY DID YOUR COMPANY PLACE IT BACK ON MY CREDIT REPORT IF YOU DON'T OWN THE DEBT ANYMORE. I ASKED IF THIS WAS ILLEGAL AND THE LADY SAID IT WASN'T ILLEGAL TO REPLACE A DEBT THAT WAS DISPUTED AND TAKEN OFF THE CREDIT REPORT. I WANT THIS DEBT OFF MY REPORT.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Ability Recovery Services, LLC (CT)

Abilityjy recovery XXXX. XXXX  XXXX premier credit card wish was payed off because there card was so high intrest I closed it payef and closed it I claimed about them XXXX  I never used but one for XXXX dollars closed that then they tell years later someone used the card its been closed it still on my credit ability I don't even know what its for I don't have anything g with them then I have inquiry s on me credit and loan I have never done now my daughter is XXXX XXXX but o e the address is hers try to repair this and they also have me with XXXX I have been divorced for XXXX yrs we have nothing together
Consumer complaint received 2019-05-30
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. (MI)

I recently discovered 2 fraudulent accounts reporting to my credit report. Ive always paid all my accounts on time and these accounts DO NOT BELONG TO ME. the accounts are as follows XXXX which was opened on XX/XX/XXXX with a balance of {$350.00}. the other account is XXXX XXXX which was opened on XX/XX/XXXX with a balance of {$960.00}.
Consumer complaint received 2019-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I XXXX XXXX ; XXXX and writing you today as an aggrieved man. I filed a claim with Santander bank regarding my stolen debit card and or information. There were various unauthorized charges made against my checking account without my permission and or knowledge. I advised Santander bank of this ; the claim amount came to XXXX. Santander bank gave a provisional credit to account and then ruled against me, taking the credit back thus overdrawing my account. I wasnt even given the entire amount stolen from me back. I humbly request Santander fix their mistake and the XXXX be put back into my account immediately. Thank you.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CASHCALL, INC. (AE)

I had an account with XXXX XXXX XXXX XXXX prior to moving overseas. I turned the equipment in and received a yellow slip confirming my return of the equipment. I satisfied the remaining balance and the company sold the account to XXXX, XXXX. I've disputed this account with my credit bureaus and the company continues to come back saying the information is correct. I have no account with XXXX and have asked that they provide a signed agreement between their company and me if they will continue alleging this is a valid collection. 

XXXX XXXX XXXX XXXX  : They've charged off my account, but haven't given any information on what to do next. I called each month in 2017 asking where to pay my balance and was told the company charged my account off and they couldn't take payment to settle the amount shown as owed. It still shows as a balance due and I don't have the title. I've not been given options to satisfy the account. 

Cash Call : This is too old to be on my report. It was discharged in Chapter XXXX Bankruptcy 4 years ago and has inaccurate data.
Consumer complaint received 2019-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc. (KS)

XX/XX/2019 I noticed a new collection account on my XXXX credit report. Account name is FIRST COLLECTION SVCS stating a debt all of the sudden out of nowhere for {$320.00}. Also on XXXX as Account name ICS. Both stating original creditor to be XXXX XXXX XXXX. I do not owe said bill, I have no outstanding utility bills. I disputed the collection stating " no contract, no validation of debt ''. Dispute is complete and item was not removed nor anything showing this was my debt. I have left voicemails to collection company. I do not understand how this utility bill they state it is from can show up out of thin air all the sudden when i do not have any past due items, especially and confidently Utilities ...
Consumer complaint received 2019-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

IVE TRIED CALLING XXXX TIMES REGARDING THE INQUIRES THAT ERE DONE FRAUDULENTLY TO HAVE THEM REMOVED AND TWO ACCOUNTS AND THEY ARE REFUSING TO HELP ME THAY JUST STATE THAT THE INQUIRES WILL COME OFF IN 2 YEARS AND TO CALL THE COMPANIES AND HAVE THEM REMOVE THE 2 ACCOUNTS EVEN AFTER I INFORMED THEM THAT I WAS A VITUM OF ID THEFT!
Consumer complaint received 2019-05-30
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. (NC)

I have contacted Transunion on XX/XX/XXXX,XX/XX/XXXX and on XX/XX/2019 I sent a certified letter advising that there are multiple inquires on my credit report that are not authorized. I have contacted the companies. I have also provided Transunion a copy of my Identity theft report to advise that I have been a victim of identity theft. I am upset that although I have provided them with the necessary information they still continue to not remove the inaccurate information from my report. If this can not be rectified I will seek legal action. There is no reason why the information should not be removed if the proper documentation is being provided to you
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2017 to XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I had a military star credit card with XXXX while I was XXXX XXXX. When I separated, I experienced a financial hardship when I left my husband due to extreme circumstances. I started to get letters from XXXX XXXX XXXX in the mail. I immediately began attempting to contact them, and have never been successful. I have used their website to send messages, contacted them via e-mail, called by phone multiple times, even left voicemails with my name and phone number. I can prove all of this. 
Despite my efforts to make payment arrangements multiple times, my tax refund was garnished, which paid most of the debt. Now, XXXX is attempting to collect way more money than I actually owe. My statement with XXXX comes regularly, and as of today ( XX/XX/2019 ), it shows {$2900.00}. Yet, I got a letter from XXXX saying I owe {$3400.00}. This is absolutely unacceptable and a lie. Interest is already charged by the XXXX. I have read multiple complaints about XXXX taking far more money than owed by veterans. 
I, yet again, attempted contact via website message as well as phone and voicemail. Depsite this, I recieved a letter from my employer stating 15 % of my pay will be garnished starting next month. I am a full time working, XXXX XXXX XXXX, mother, XXXX, and a veteran of the US XXXX. I really feel that this company is out to get me and when I start losing 15 % of my pay, I will be in extreme financial hardship. I understand I owe the money, but I have been trying to pay it. I'm not sure what else I could possibly do. Someone PLEASE help me.
Consumer complaint received 2019-05-30
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: Experian Information Solutions Inc. (NY)

Experian is reporting an account with Child Support Enforcement that is actually past the statue of limitations. I have disputed with Experian several times and they just indicate it's updated but no information changed at all and again the first delinquency occurred over 7 years ago.
Consumer complaint received 2019-05-30
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-05-30
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: Experian Information Solutions Inc. (GA)

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-05-30
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. (GA)

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late. XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-05-30
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. (HI)

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXP XXXX
Consumer complaint received 2019-01-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (ME)

I closed a CD on XXXX XXXX, 2018. I never received the money from Ally Bank. Repeated calls, completion of lost check form has not made a difference. 

I have been lied to several times. On three occasions I was told the check had been overnighted. Most recently I was told the money would be returned to my account and reissued. 

Ally Bank owes me {$200000.00}. No one at the bank has taken responsibility. 

My case number with Ally Bank isXXXX
Consumer complaint received 2019-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

LOANCARE bought our loan XX/XX/XXXX. 
They have sent out paperwork saying we owe our monthly amount PLUS PMI. They ADDED PMI back to our loan. 
PMI was removed by previous XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Emails have been sent. Phone calls on hold OVER ONE HOUR have been placed. Not contact is easy with this company. And after looking online at the company- of which we had no choice in taking our loan- has hundreds of cases like this. Tax numbers being wrong. Escrow accounts withholding and not paying out excess, etc. 
PLEASE REVIEW THIS COMPANY The idea of stressfully dealing with escrow every year or incorrect tax information EVERY year with these people make my physically sick with worry. They should not have this much power unchecked.
Consumer complaint received 2019-01-29
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: CITIBANK, N.A. (CA)

I have tried to resolve multiple transactions disputes with Mastercard ( MC ) and the credit card issuer, Citibank ( Citi ). The resolution processes of both MC and Citi are inadequate - investigations are incomplete, do not address the correct issues nor consider relevant facts, and are designed to protect the merchants, banks and credit card issuers. I have pursued dispute resolution for more than 2 years, from XX/XX/2016 to the present. In XX/XX/2016, I conducted business with a merchant who conducted fraudulent sales, falsely representing his goods and breaching his own sales contract. Appraisal of merchandise has proved merchandise is not as represented. Merchant assured me merchandise could be returned, but then refused to accept a return of goods. Sales contract stated Certificates of Origin would be provided for goods purchased. These were never provided, despite multiple requests. Merchant intentionally contracted with customer under false pretenses.
Consumer complaint received 2019-01-29
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. (OH)

RE : BANKRUPTCY ACCOUNTS NOT IDENTIFIED To Whom It May Concern : I received a copy of my credit report and the items listed below were included in a bankruptcy identified on my credit report. Please Remove the bankruptcy from my report and provide a copy of my court ordered bankruptcy. Please tell my how you are verifying this item belongs to me. 
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Social Security # XXXX
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

This is in regards to my XXXX  XXXX credit card ending with last 4 number XXXX. On XX/XX/XXXX I did some purchases and the store offered me a new acct to get 10 % discount. So I opened this acct. My first payment of {$32.00} was due on XX/XX/XXXX. I sent out my payment on XX/XX/XXXX ( late ) and at the same time called XXXX ( customer services ) to ask for a one time late fee removal courtesy. The lady who answered the phone said will be glad to do so. I assumed that would be it. Since then I was out of town most of the time and back home to prepare for the XXXX XXXX XXXX this month ( XXXX ), checked on my mails and found out one late charge on top of another late charge which is now add up to over hundred dollars. The lady I spoke with never took care of my request in the first place otherwise it would never happened. I emailed XXXX XXXX and been returned with the advice that I have to contact XXXX XXXX. I called XXXX XXXX and explained but they insisted I have to pay all late charges to keep my account up to date. I feel so frustrated by this unethical practice. I need your help. Please give me your hand. Thank you very much. XXXX XX/XX/XXXX, XXXX.
Consumer complaint received 2019-01-29
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COAST PROFESSIONAL INC (CA)

I have been receiving calls from XXXX XXXX XXXX over a debt from 2010 and the calls have escalated to the point of harassment. On XX/XX/XXXX a representative from Coast called to inquire if I was home, she then informed me that there was someone on their way to my home to serve court lawsuit documents. There was an overt threat of litigation and possible arrest, later in the day, if I did not pay at that moment over the phone. 

The debt in question is for student loan funds which were disbursed for the full semester, while I only attended Spring 1 instead of Spring 1 and 2. The disputed funds are for Spring 2 session and the amount is {$1300.00} which I had negated in good faith to pay but the collection agency has assessed fictitious interest fees that have more than doubled the original amount and will not negotiate on. I am distressed the by inexplicable attempt to double my debt and I am even more distressed by the aggressive, illegal collection tactics of threatening me with arrest and court action. Please advise on the best course of action for this situation. Thank you.
Consumer complaint received 2019-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (CA)

At the end of XXXX, I was charged multiple overdraft fees on an account that I was trying to close with Bank of the West. The fees all piled up because of the very first fee, which after speaking to the branch, would be reversed, resulting in the reversal of all other charges. The total amount of overdraft fees was {$920.00}. I was under the impression that it would be taken care of, only to find out recently ( XXXX ), that I am in collections for the {$920.00} + {$550.00} in interest. I disputed the debt with the collection company, and after speaking to the bank on XX/XX/XXXX, they could only tell me that the debt has been sold to a collection agency and it was too old for them to help me. It is my understanding that there was a class action lawsuit against Bank of the West that dealt with the same issue around the same time. I am trying to clear this from my credit, and any help you can give is greatly appreciated.
Consumer complaint received 2019-01-29
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: Exeter Finance, LLC. (TX)

I have no understanding why Exeter Finance is being aloud to violate my FRCA rights. In XX/XX/2018 Exeter Finance Corp reported a payment to XXXX  this account is a charge off so how was a payment made? Where is the receipts? whose making payments?. And while an account is being disputed it is my understanding If you dispute the debt, the debt collector can not report it to a credit reporting agency unless and until it verifies the debt. If the debt collector has already reported the debt ( before it received your dispute letter ), it must notify the credit reporting agencies that the debt is disputed. After verifying the debt, the debt collector can report it, but only as a disputed debt. 

A debt collector violates the FDCPA and the Fair Credit Reporting Act if it reports a debt that it knows, or should know, to be false. 

This has happened to me mulitple times and I am tired of it. Please help me in fighting this. See attached letters where I disputed.
Consumer complaint received 2019-01-29
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: Experian Information Solutions Inc. (IL)

I dispute XXXX XXXX XXXX, XXXX which is XXXX the original creditor on XX/XX/2018. XXXX XXXX responded on the dispute stating they CLOSED the account with {$0.00} balance and also they requested that the credit reporting agencies to delete the XXXX, XXXX  tradeline from my account from the credit bureau report. I checked my credit report XXXX  and XXXX  removed it from my credit report but Experian did NOT removed it. So I contacted Experian to removed it from my credit but they refused to removed it they said the account is under XXXX  not XXXX, XXXX. But when I dispute it through Experian, XXXX, XXXX was the one that responded not XXXX
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Re-Kohls Department Stores Credit Card Division XXXX, Wisconsin XXXX Complaint : 1. Credit card statements no longer itemize purchases, it only shows dates and store location which purchase were made from.

2. Recently Kohls published their late payment warning showing a penalty late fee of {$37.00} plus interest if payment is not received by listed date.

3. Our last statement indicated a closing date of XX/XX/2019. Statement received on XX/XX/2019, delivered by US Mail. The statement showed a due date of XX/XX/2019. 
Fraud, I believe that this division of Kohls sends their statements out late or holds them back from mailing increasing the possibility that the returned payments will be received late and posted after the due date. This would increase their revenue by {$37.00} per month from each payer. 
4. I attempted to relate this trend to corporate, explaining that their customer 's will see this fraud and will result in losing customers, revenue, and creating stockholders losses. This message unfortunately fell on deaf ears.