davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Thunderbird Collection Specialists, Inc. (AZ)

My husband received a phone call on his work phone multiple times and all tough he repeatedly asked to not call his employee paid for work phone the calls continue. The agent XXXX also threatened him with legal actions if the bill wasnt paid today. 

I called the number back on my personal phone and my call was met with an abusive collection agent. Saying that they had a bill form XX/XX/XXXXand that the last time I spoke with them was in XX/XX/XXXX An didnt that I lied to them about paying the bill. Again threatened with legal action. 

When asked what the bill was for at first they were not sure and then said that it was for a XXXX I had in XX/XX/XXXXbilled by the assistant in the XXXX room and denied by my insurance.
Consumer complaint received 2020-05-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

XXXX XX/XX/2020 - XXXX XXXX XXXX NMLS # XXXX ) of XXXX XXXX XXXX  informed me my credit score wasnt good enough for a VA XXXX XXXX. Stated I would have to pay 3 points / ~ {$17000.00} to obtain a 3.875 % XXXX XX/XX/2020 - XXXX XXXX ( NMLS # XXXX ) of Amerisave Mortgage Corp quote a refi rate of 3.625 % with {$2000.00} lender costs plus title and appraisal fees. When informed I was aware VA XXXX did not require appraisal he stated my credit was not good enough. When questioned credit requirement he abruptly ended the conversation. 

I owe {$510000.00} on a house that appraised at {$590000.00} 6 months ago when I bought it. I have installed a {$60000.00} pool and am confident the prosperity value is north of {$600000.00} based on local comparables. 

Why cant this Veteran with a service connected XXXX get a VA XXXX????
Consumer complaint received 2020-05-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (FL)

I was offered a settlement amount by AMEX and paid it on XX/XX/2020. This was settled directly with them, not a collection outfit Rather than report it as settled, they restarted the clock and reported the case as a new charge off. I was very clear in asking about how this would be reported. Now they have alluded that I could pay the rest to report it as settled in full even though their letter states they would not try and collect the balance.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank Private Client Checking Account # XXXX  I reported my debit card as lost/stolen on XX/XX/XXXX on the phone with an agent from the claims department. There were 4 transaction on the card that I reported as unauthorized, which are as follows : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX for the amount of {$5200.00} posted on XX/XX/XXXX XXXX XXXX XXXX ON XX/XX/XXXX for the amount of {$5700.00} posted on XX/XX/XXXX XXXX XXXX ON XX/XX/XXXX XXXX for the amount of {$130.00} posted on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for the amount of {$970.00} posted on XX/XX/XXXX It is now XX/XX/XXXX that I am filing this complaint, and no credit has yet been appeared on my account for these fraudulent transactions. The agent on the phone told me that I would receive a temporary credit for these transaction within 24 to 48 hours pending an investigation which could take up to 30 days. Since the debit card PIN has not been used in any one of these transaction, according to law, I am not to be held liable for any of these fraudulent transactions, since the reporting of the fraud was prompt. Please assist. I have tried calling the claims department multiple times to check on the status of the claim and why I have not yet received the credits, however, I have been unable to reach an agent due to the long waiting times. Thank you for your time and consideration. 
-XXXX  XXXX
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I sent letters of investigation to Experian and XXXX regarding a closed charge off account from XXXX XXXX XXXX via certified mail through USPS. I received my investigation results correspondence from Experian that the XXXX XXXX reported that the account was " charged off as of XX/XX/XXXX ''. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX that my account was sold to XXXX XXXX XXXX. On XX/XX/XXXX I sent a certified debt letter via USPS to  XXXX XXXX XXXX. On XX/XX/XXXX I sent a certified re-investigation letter to Experian asking that they provide the information that XXXX  XXXX submitted that allowed them to verify the accuracy of the information reported on my Experian Credit report. On XX/XX/XXXX I sent a certified re-investigation letter to XXXX asking that they provide the information that XXXX  XXXX submitted that allowed them to verify the accuracy of the information reported on my XXXX   Credit report. On XX/XX/XXXX I received an letter from XXXX XXXX XXXX stating that my account was sold to XXXX XXXX XXXX. On XX/XX/XXXX my credit re-investigation results from Experian was updated with the following remarks : " DISP INVG COMP_RPT BY XXXX ; PURCHASED BY ANOTHER LENDER ; PAID IN FULL/WAS A CHARGE OFF '' On XX/XX/XXXX I sent a certified FCRA Section 623 letter to XXXX XXXX asking that they provide me with the documentation that they gave the credit reporting agencies during their investigation. On XX/XX/XXXX XXXX XXXX provided me with a letter that the ownership of the account was transferred to XXXX XXXX XXXX. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX in response to my debt validation request. They informed me that they closed my account and ceased collections and I have no further obligations regarding this account. 

On XX/XX/XXXX I called Experian to inform them of the letter that I received from XXXX XXXX XXXX clearing me from the alleged debt and I asked if they could remove this from my file. I was informed by the Experian customer service agent that they will not be able to remove this information because the request would have to come from XXXX XXXX XXXX. 

I am requesting the following resolution from XXXX XXXX XXXX provide me with the following : 1. An agreement bearing my wet signature stating that I will assume the debt.

2. Valid copies of the debt agreement stating the amount of the debt and any related interest charges.

3. All the information that was provided to Experian and XXXX to assist them with their  investigations. 

If proper validation of the alleged debt can not be provided I demand that XXXX XXXX immediately delete and completely remove this alleged account from my credit file and with Experian and XXXX credit reporting agencies.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

Dates : XX/XX/2019 and XX/XX/2019 On XX/XX/2019 and XX/XX/2019 I disputed accounts on my credit report. I supplied account numbers, furnisher names, and the issues I had with each account. After Experian initial investigation, I sent them a second letter informing them I was in disagreement of their findings, because the inaccurate accounts were still on my credit report. At that time I ask for a reinvestigation and provide me with validation of the debt or deletion the accounts. I never got validation of the debts from Experian or deletion of the accounts.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

the update button on transunion has not worked for three weeks and i had a hard time convinsing the rep that the trouble was with transunion?
Consumer complaint received 2020-05-09
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

This is an update from complaint # XXXX. 

The text of the complaint is : " On XX/XX/XXXX, I received a notice from my credit monitoring service that a change took place on my credit report. I reviewed my credit report and found a hard inquiry from Capital One. It was not applied for by me, and I had had 4 other instances of identity theft happen in the last year and I even had placed a credit alert on my credit record. I called Capital One that day and many times over the next week, and no one could find the account ( I'm guessing since they denied to open it ). Soon, I received a letter in the mail declining opening the account, a Capital One Justice credit card. I called that day and told them it was fraudulent, and asked that they relay that it was fraudulent. However, I never received a written confirmation that they would mark it as fraud and notify the credit bureaus. I noticed it was still on my account on XX/XX/XXXX, and contacted Capital One through XXXX, asking for a call. I explained the situation again, and asked for a letter confirming it would be marked as fraudulent and to have it removed from my credit report. It is still on my credit report as of today, and I have still received no written confirmation. I have recently applied to refinance my student loans and I am concerned this will impact the rate I receive. '' I received word from Capital One after submitting this dispute that they have contacted XXXX to remove it from my report. 

I do not believe this to be true, as it still appears on my XXXX credit report.
Consumer complaint received 2020-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (MA)

when separated there was a bal on comcast that was never forwarded because XXXX took over account. 

once came to my attention. was paid in full immediatly. 
but it is still showing up on collections on credit reports at experian and others. 
i was told it was to be removed and it is on there. 



also on credit report my ex husband is listed as current spouse. 
i would like that removed
Consumer complaint received 2020-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (TX)

Last fall I received a statement for for {$3300.00} from XXXX XXXX XXXX XXXX, XXXX. The bill was from 10 years ago. Since I had never even heard of XXXX XXXX, nor did I ever utilized his services, I called his office and spoke to his office manager. She could not find any supporting documents to support the charge. She said she would look into the matter and call me. 

XX/XX/XXXX I received a notice from Capital Accounts for collection of said bill. I responded by mail asking for support documents ( itemized bills ) and then we could discuss the matter. I am now receiving daily calls from agents from Capital Accounts. Every day they ask if I am prepared to resolve the matter. Every day I ask for supporting documents. They continue to call and I have not received anything. 

They have called my work number. They have called my cell number. They have even called my son.
Consumer complaint received 2020-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (NY)

I had a charge off from XXXX XXXX XXXX ( XXXX XXXX ) that was settled for about 50 % ( {$490.00} ) of the amount on XX/XX/XXXX. The payment was made on that day which closed the account out. This was paid directly to The XXXX XXXX XXXX before it ever went to collections. 

On XX/XX/XXXX. Midwest Recovery Systems placed a collection account on my XXXX and XXXX credit reports for the amount of {$850.00}. Reporting the account as open and unpaid. 

Midwest Recovery Systems has never sent me any collection letters before they added the account to my report or after. 

I have attempted to contact them via email and their online messaging system in vain. I have also left a voicemail. I have not heard back from Midwest Recovery Systems. 

So in the end Midwest Recovery Systems added a collection account to my credit reports without ever reaching out to me or trying to contact me AND they are trying to collect on a amount that was paid to the orginial creditor.
Consumer complaint received 2020-05-09
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-09
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX is reporting INCORRECT information. This account is PAST the 7 year mark to be removed from my 3 credit reports. My last payment with PROOF was on XXXX XXXX 2014! in the amount of {$330.00} The car was a lemon and I have proof engine blew from the attorney general XXXX XXXX of the state of Florida. This account needs to be removed ASAP over the 7 year mark. Account # XXXX This information is only to be used to remove this zombie debt from my 3 credit reports and is not to be used for inside arm debt collectors.
Consumer complaint received 2020-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In XX/XX/2019 I applied for a XXXX XXXX Credit card. At that time my credit was in need of serious repair and I believed a low limit store card would allow me to build better credit. On XX/XX/2019 I was approved for a {$500.00} limited. 

I have made several small purchases over time. Each time I have paid the card in full, including my last payment in XXXX XXXX for {$57.00}. The balance on the card was {$0.00}. 

XXXX XXXX I received a letter from XXXX XXXX that XXXX XXXX was using information from Trans Union to cancel my account. Furious I reached out to XXXX XXXX because I believed they improperly pulled my credit history. The representative said they did not pull it, it was provided to them by Trans Union. 

XXXX XXXX was authorized to pull my account in XXXX to make a credit worth decision. The credit bureau was authorized to release it at that time. The credit bureau is not authoized to repeated send my creit report to my credit cards monthly and doing so in this case has actually negatively affected my credit that I was working to repair. As other inquiries will see that XXXX XXXX took this action. 

My complaint is on both parties and I will consider filing a suit against both, but first I would like to file a complaint here.
Consumer complaint received 2020-05-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BMO Bank, N.A. (MN)

My wife ( then fiancee ) and I moved to Minnesota in XX/XX/XXXX, migrating our personal bank accounts into joint savings, checking, and credit card accounts with BMO Harris. We choose BMO Harris because it had physical branches in the XXXXWI and XXXXIL areas, in preparation for our wedding in XXXX that same year. The accounts manager included a " personal line of credit '' that included yearly fees but were not explicitly stated, as my wife and I were ( and are ) adverse to accounts with fees. We would never use this line of credit. To describe the character of the accounts manager that created our accounts : he got our names, phone numbers, social security numbers, and address all incorrect, taking months to correct in person, over the phone, and online. Additionally the savings account we were given had a prohibitively large minimum balance that incurred fees, another feature of our accounts not explicitly disclosed. I visited a branch in XX/XX/XXXX to close all remaining accounts, including this line of credit, and neither the teller or Account Manager informed me that the personal line of credit could be canceled because of a balance due. I still received vague emails about my online account. A call to customer service in later in XXXX, the representative informed that I had no active accounts and that it must be a glitch in the system pending the removal of my online access. Recent ( this month, XXXX ) updates to BMO 's online system, and email notifications informed me that I had an account with a balance due. After reactivating my online access, I clearly saw the personal line of credit and a non-zero balance. Numerous in person, over the phone, and online interactions demonstrates a clear pattern of incompetent, if not fraudulent, business practices. Given the times involved, XXXX to XXXX, I have no records remaining as problems of this nature become apparent within a year, and I keep those records for at most two years. I will be buying a larger fire-proof filing cabinet to keep records for at least 5 years.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

Santander Consumer USA Inc. is reporting INCORRECT information. This account is PAST the 7 year mark to be removed from my 3 credit reports. My last payment with  PROOF was on XX/XX/2014! in the amount of {$330.00} The car was a lemon and I have proof engine blew from the attorney general XXXX XXXX of the state of Florida. This account needs to be removed ASAP over the 7 year mark. Account # XXXX This information is only to be used to remove this zombie debt from my 3 credit reports and is not to be used for inside arm debt collectors.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This letter is to request you to remove inaccurate information from my credit report. 15  U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please delete the following inaccurate items. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX