davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (CA)

I have had numerous billings, collection notices, etc. from the XXXX XXXX XXXX XXXX for a bill that was paid in full to the service provider XXXX XXXX XXXX. I advised the agency that the bill was paid in full via check and cleared the bank on XX/XX/2018. This was before my first notice from them. They continued to send notices however and I offered to send them proof the check cleared and all I get is more threatening notices. I did not receive a response to my offer. 

What is most offensive is that there was a billing problem and XXXX XXXX advised me my physician should have used another code thus the bill would have been under Medicare AND not to pay the bill until it was resolved. Weeks went by and it wasn't resolved so I just paid the bill.
Consumer complaint received 2020-10-27
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: DISCOVER BANK (VA)

On XXXX I received an update from XXXX  stating that my past due history increased for Discover from 96 % on time to 100 % on time history. I reached out to Discover and asked that since this had been updated for XXXX, to please update to the other bureaus. The first response I received regarding this new request was around XX/XX/XXXX and it stated that in XXXX I had already requested to have the payment history updated and the information remained the same. They also deleted the current payment history from XXXX. I sent another request to the executive office and was advised by them that their decision to update my past due history to current has not changed based on the investigation in XXXX, this apparently did not address my concerns. Did they not see the inquiry from XX/XX/XXXX? 

Discover has been the best card and I now feel like Ive been mistreated and discriminated against. Ive explained in the past that the payment was a simple mistake and my husband was in the hospital back in XXXX and I spent many days in the hospital and just forgot to make the payment on time. Neither agent investigated the fact that one of the bureaus is reporting XX/XX/XXXX as current as of XX/XX/XXXX. I only asked Discover to update it based on that and as a goodwill. However, they deleted the current information from XXXX, how distasteful. No proper investigation has been done because if it did I would have a new response regarding why XXXX  is  reporting all past due history as current and the others not. Instead Im given generic responses and investigation has been done. My consumer rights have been violated and Im sure it will fit under a UDAAP regulation and Fair Lending.
Consumer complaint received 2019-02-19
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. (MN)

Today XX/XX/19 I Spoke with a representative about crediting back late fees. She could do nothing Well I would like management you know the financial well-being of older citizens is at stake. 
Seniors at restaurants and travel and the many other places are giving special status because of their fixed incomes and financial hardships I would like also the banks to understand and reimburse the late fees Im not asking for the interest and hopefully I can get this solved with automatic payment I believe I have three {$30.00} late fees
Consumer complaint received 2019-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tormey Bewley Corporation (CO)

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX, CO XXXX. I was advised by my attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and XXXX XXXX XXXX. has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. I have no idea who this company is, and not only were they NOT able to furnish a signed contract of my doing business with them in any way, they have now violated my HIPAA rights as well by sending me a patient report containing my medical procedure information from some other company, but NOT sending any copy of a HIPAA release form. Now they've violated my FCRA, FDCPA, AND HIPAA rights. Thank you for helping me resolve this matter.
Consumer complaint received 2019-02-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (DC)

My name is XXXX XXXX and I recently hired a law firm to help me resolve several high debt matters from a limited liability company, where my partner ran up excessive debts. The partnership was officially terminated back in 2017, even though the limited liability company is still valid. These debts are guaranteed by the limited liability company. I request at this time a reasonable settlement response from each of these creditors without going through a Chapter XXXX corporate bankruptcy process or a Chapter XXXX bankruptcy process. I submit these settlement requests through a Consumer Financial Protection Bureau portal to show my intentions are honest and within my rights. The limited liability company is known as XXXX XXXX XXXX XXXX XXXX, XXXX and the employee identification number is XXXX.
Consumer complaint received 2019-05-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (TX)

A lady called me XX/XX/2019 at XXXX saying " this is a recorded line, is XXXX XXXX there '' and I asked who was called and she said ERC . I asked what is was for and she said there was a few things in her office she would like to resolve with XXXX. I told her I am his wife and what was it that she was calling about. She then said she could only tell my husband. I told her that this was not his phone number it was mine. I gave her his phone number and she asked when the best available time to call was. I said evening. So she didn't tell me much about the company or why she was calling. It was very suspicious to me. This is the second time they have called me from 2 different numbers. First time I got a voicemail from a lady named XXXX it was on XXXX XXXX at XXXX asking for my husband and then they hung up realizing they were on voicemai. The first number they used was XXXX. The second attempt to call was from a different number ( XXXX ) XXXX.
Consumer complaint received 2019-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been paying {$500.00} per month for the last 12 months to my credit card Capital one. 

My wife and I noticed that our balance was not decreasing I contacted capital One and ask them what was going on They told me that my interest was compounding daily on my balance I advise them that I was never informed of this when I signed up for the card, or when I spoke to them on the phone or even when I spoke with them in the beginning of 2017 about trying to lower my interest rate They did temporarily lower my interest rate but it unfortunately turned out to only be for a couple of months, which I also did not understand. They did temporarily lower my interest rate but it unfortunately turned out to only be for a couple of months, which I also did not understand I contacted capital One and said that I was never informed that my balance with compound down there and that I would not have signed up for the card if I knew that I am a XXXX XXXX veteran who went through XXXX about four years ago and as a result Ive had some financial issues I had to file bankruptcy, which is why I signed up for capital Ones credit card a couple of years ago To now find out that they were charging me daily compounded interest over the last few years was extremely disappointing to me as a military veteran who has struggled with a XXXX XXXX and who owns up to their Inability to pay my creditors a few years ago Capital one bank framed it to me that I could use their card and rebuild my credit, but they never informed me that my interest would be compounded daily. I repeat they never informed me that my interest would be compounded daily
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

One or more banks ( credit unions and mortgage accounts ) may have improperly reported the number of accounts opened, paid, closed, etc. by XXXX XXXX XXXX. However, attached is the correct account information that is requested to be provided to the Federal Service Desk ( SAM.GOV ) for registration purposes and in regards to having funds deposited.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I enrolled in a debt rehabilitation program after my student loans had gone into deferment. While I was completing the program, there were multiple reports submitted that the accounts were delinquent. When I inquired with the company, they said it would look this way and be reported as delinquent until I completed the program. They informed me once I completed, I would have a new company servicing repayment, and that the delinquent accounts would no longer be reported as such, and all the reported delinquencies would be changed and no longer negatively impact my credit score. I completed the program in XX/XX/XXXX, I was rolled over to a new loan services and have been with them ever since making payments on all my loans. The company informed me they would make changes to my credit report in 45 days. In XX/XX/XXXX, I followed up with the company and they said it should be processed at anytime, just keep waiting. In XX/XX/XXXX, they still had not made the changes to my credit report regarding the rehabilitated debt and that I was in good standing. When I called and requested for it to be done a third time, they said it would be expedited and submitted in two weeks. It is now the middle of XX/XX/XXXX and there has been no adjustments made.
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (OH)

I am a business owner and during COVID our business has declined by more than 57 %. Chase bank is not willing to work with me in lowering the payments that I can not make. Because of this, my credit score had dropped to XXXX and I am struggling to survive. The is a XXXX-dollar company and the credit card balance is around {$7800.00} which is nothing to them.
Consumer complaint received 2019-02-19
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC. (KS)

The debt collector, Navient, calls my co-borrower, my elderly father, 7-9 times a day and they do not call me, the primary account holder. 

They stated on a recorded line that they would call him or I first since we are both on the account. I told them to look back at their records. He has never paid my loan ever and they need to call me and try to reach me before calling and harassing him. He is elderly and XXXX and they are taking advantage of him. They threaten him when they call.
Consumer complaint received 2019-02-19
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)

i came apon checking my credit for accuracy and found out my personal information has been used to open car loans and other accounts of some sort without my permission i was adviced to fill out this form to bring this issue to an end
Consumer complaint received 2019-05-23
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

XXXX XXXX and household finance co .owner of this company deed is XXXX XXXX XXXX XXXX ga ..deed filed 1998. 
. 
XXXX XXXX owner of property and company Also attached is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL .XXXX XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX  ga Other companies own by XXXX XXXX XXXX XXXX .all address in this text and company are own and co own by Mr XXXX I have a administratior and attorney on this estate Mr XXXX is deceased her name is XXXX XXXX XXXX # XXXX # XXXX .she has alert me that the XXXX heirs are hide .all this information from her and me and refuse too give too her the information .she need which are the deed to the company s and bank account etc .which is now pass due. 


Start with XXXX XXXX and XXXX XXXX and XXXX XXXX.
Consumer complaint received 2020-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (DC)

I received an envelope containing paperwork for garnishment, but I havent been sued by this company. The envelope didnt have a return address on it and the postmark was significantly later than the date of the summons : XX/XX/2020. Once I opened it, it appeared to be legal paperwork from a court. The plaintiff is Jefferson Capital System LLC. Theres no information identifying the plaintiff other than their name. No phone number, no address. The contact information for the attorney is invalid ; the phone number has an odd ring that sounds like a record thats skipping. I XXXX  Jefferson Capital System and called their toll-free number. There was a recording indicating that callers can get debt information by entering a file number, which strangely wasnt listed anywhere on the paperwork I received, an account number, which would be assigned by Jefferson, or a social security number. Theres no file number on the paperwork, nor is there an account number. I had to use my social security number. The recording indicated that theres no record in their system containing my SSN. Im not surprised since I dont owe them any money. 

Lastly, I noticed that this paperwork was supposedly sent to my employer. My listed employer is a company I never knew existed until today. How can I possibly work there? 

This could be a scam, but I see it as harassment. Rogue collection agencies think that they can scare uninformed consumers into sending them money. I dont operate like that. I will not even listen to, nor respond to anyone who doesnt approach me correctly. I have no idea what this debt is or who it belongs to. I have never gotten one phone call from this company. Ive never received any other notices from this company. The legal contact listed on the paperwork is bogus. I should be enjoying my evening right now. Instead, Im wasting my em time responding to a false allegation. 

I threw their paperwork in the trash at the gas station when I stopped to fill up my car. After thinking about it, I got angry and decided to file a complaint with CFPB.
Consumer complaint received 2019-03-16
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: LEXISNEXIS (GA)

I have been checking my credit and I found a public record and some inquiries that do not belong to me, I have been advise to file this complaint to clear this matter, and to separate my seft from this inaccurate report on my credit, and FTC complaint is attach to this request for blocking this fraudulent information from my credit report.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

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

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2020-03-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

My Name is XXXX XXXX XXXX I have questions about my credit report. And also a question about a Lien was also placed on my report After a ChapterXXXX Bankruptcy case involving a XXXX  vehicle. And a title My concern about all of this is Nissian Sent me a relief from Stay form Of a final notice of a repo. Of this same vehicle I made several attempts for them to come get it they wouldnt. I have the original first day of purchase and in the state of V.a the 20 years is Almost in leaving Free clear of this Debt lien And a vehicle they was never worried about repression on
Consumer complaint received 2020-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America XXXX # XXXX Charges In Dispute : - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX NY DEBIT CARD XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX NY XXXX CARD XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - My Bank of America account was compromised and two very large transactions were charged to my account without my knowledge or consent. 

I reported the charges as fraudulent the next business day to a banker at my local branch, they asked me a bunch of questions and then she went to the back but they never filed a claim in branch. 

I tried to get someone who is tech-savvy to help me file the claim online ; it was extremely difficulty to use and the touchscreen wasn't working well, somehow " items never received '' was selected instead of " I did not make these charges ''. 

As a result Bank of America denied my claim. I never made these charges, I never spoke to anyone to approve these charges, this is proof that Bank of America is an accessory to fraud. By allowing people to fraudulently charge the customers account and refusing to reimburse the customer, this is illegal at the federal level. 

They advertise " zero liability '' to get people 's money and they leave them in situations like this. False Advertising at its worst.
Consumer complaint received 2020-03-19
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. (PA)

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX   {$860.00} Account number XXXX Collection opened Loan Amount {$860.00} {$900.00} Payment Info Original loan amount {$900.00} Balance {$860.00} XXXX XXXX XXXX  XXXX Original creditor : XXXX  {$0.00} 100 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Balance Loan Amount {$620.00} Payment Info Original loan amount {$620.00} Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$240.00} Account Info Hover over labels for more details Account XXXX Account status Closed Date opened XX/XX/XXXX {$240.00} Past due amount {$240.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  XXXX {$740.00} Paid, closed Account XXXX Account statusClosed Date opened XX/XX/XXXX {$740.00} {$500.00} Past due amount {$740.00} XXXX XXXX  XXXX $ XXXX XXXX XXXX   XXXX  XXXX XXXX {$5300.00} Account Info Account XXXX Date opened XX/XX/XXXX Balance Loan Amount {$5300.00} LABELS FOR MORE DETAILS ACCOUNT NUMBER XXXX XXXX XXXX XXXX {$0.00} Paid, closed Account Info Account XXXX Account status Closed Date opened XXXX XXXX, XXXX {$0.00} {$300.00} XXXX XXXX  XXXX {$0.00} Paid, XXXX  XXXX XXXX XXXX XXXX Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
Account Type Unsecured Balance {$2600.00} Date Opened XX/XX/XXXX XXXX XXXX {$210.00} Original creditor : XXXX  Balance {$210.00} {$210.00} Opened XX/XX/XXXX Opened XX/XX/XXXX 2016
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

I have been notify that my account for so over has been close due to not been able to identify me so I called back and complain due to this is been me so they ask me to send in a verification form with notary sign so I did I upload this forms and they called me saying I didnt upload them then I called back I upload them about 100 times and they still saying I didnt even weeks later. I fax my paper work in and discover keeps saying I didnt do this so I mail them in and they keep going in circles I did everything thats possible to make this proof go in. It they keep ignoring me I call 100 times and they keep saying a manager will call u but never get a call back. They also reports a wrong address to my credit report which they are messing with my identity someone that works for them ..