davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-12
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: F.H. Cann & Associates, Inc. (KY)

on XX/XX/XXXX, my salary was garnished for XXXX for defaulting on student loans. I called immediately and made arrangements to rehabilitate loan. Moreover, on XX/XX/XXXX, I was told I would in 7-10 business days I would receive a refund. As of XX/XX/XXXX, I have not received anything. I was also told I would be receiving documentation explaining my rights with 7-10 days, have not received. Moreover, there was an issues processing payment and I could not reach any anyone at collection agency by phone. My payroll XXXX even tried to reach out and couldn't get thru. I need to have payment set up so I don't receive another garnishment. How can I make payment if they wont accept my call. Can someone please help. I will lose my job and apartment if I am garnished next week.
Consumer complaint received 2019-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection (CA)

Background : My identity was unknowingly stolen by a previous roommate who lived in the same household sometime around XXXX. 

It just came to my attention that on XX/XX/XXXX the individual set up a 5 year contract with XXXX for a home alarm account with both of our names as the account holders ( maybe for co-sign purposes? ). This location of the residence where this alarm account was opened is on the opposite side of the country. 

The individual made payments for 1 year and 8 months before the account went delinquent. The account then went to collections a little while later, and landed in the hands of the debt collector named Perfection Collection around XX/XX/XXXX. 

When I was contacted by the debt collector, I let them know that I did not set up this account, nor have I ever lived in the state it was setup in, nor on that side of the United States. I let them know that the individual 's name on the account was a previous roommate, and that he must've stolen my identity 15+ years ago. 

They responded to my deny of the account by saying they already talked to the other individual and he said that I stole his information to setup the account, and then implied that they are only looking for repayment, not looking to get me in trouble for setting up the account under his name ; which isn't even true in the first place. 

I continued to get harassing calls for payment. When I asked how to fix the problem, they did not provide any assistance ; their only interest was to get repayment for the account, and did not take into consideration that the account was fraudulently setup in my name. 

I had to make several calls to get info on how to take this off my credit report, because they were not helping. When I finally reached someone, they were hesitant to give me the information about the account, as well as hesitant about telling me steps I need to get it resolved. 

I filed a police report with my local police, and found more information on steps to take from IdentityTheft.gov on my own ; however, when I call them now they no longer answer the phone, nor do they return my voicemails. 

The delinquent account is still on my credit report, and seems as though they are only wanting to work with me if I were to just pay it off this fraudulent account.
Consumer complaint received 2019-03-12
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)

XX/XX/XXXX I called XXXX to ask them to remove 11 inquiries I did not use or request, their customer service told me they will not help me. These are the inquiries I asked XXXX to remove due to no knowledge of them ... 
XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX   inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One Card. I get my statements by email, have for years. I get a notice that my statement is prepared and I go online and set it up to pay before the due date through my bank. Then I get a notice a few days before due date. Have done this for years. In XXXX I did not get a bill or any notice. I had a large refund on there I knew from an insurance policy so I knew it would be a while to draw down the credit. Did not get the first or second notice. Also didn't get notice of my XXXX statement. Went on line in XXXX and saw that they prepared a statement in XXXX and never sent it to me. They hit me with no payment fee of {$25.00} and interest. Also my XXXX statement was on there from a week earlier. I keep all my emails and went back thru them and I did not receive any emails from them in XXXX or XXXX. I checked by name and by the dates of their statements going before and after a week on each. No notice. I quickly paid XXXX and called them today XX/XX/19. I spoke to a person named XXXX who said that they are having problems with their computer system and it has had a good bit of downtime. Seems odd that I missed two notices for XXXX and one for XXXX. Said he can't due anything about the interest and a supervisor said the same thing. They can't explain why I didn't get billed and aren't concerned that it is still happening.
Consumer complaint received 2019-03-12
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. (NV)

I happened to check out what was going on with my credit report. I noticed several collection items placed on my report that do not belong to me. Please remove them from my report today I appreciate the help. Thanks so much.
Consumer complaint received 2019-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have an account sitting on my credit report that is damaging my credit rating and causing me severe hardships and the inability to move forward in my personal and business endeavors. The debt is listed as {$350.00} I have contacted " Portfolio Recoveries Associates, LLC '' as well as the three ( 3 ) major credit bureaus -on four ( 4 ) separate occasions in the past 6 months requesting that they " validate this debt is mine ''. They have continued to send me letters stating that is has been verified but they refuse to provide any legitimate proof ( signed applications, anything bearing my signature ). They continue to send me a screenshot or statement as proof of debt. The last letter that they sent me was on XX/XX/XXXX which indicated that they purchased this debt from another company on XX/XX/XXXX as an electronic file indicating that I owe this debt and that they do not have any further information prior to the date that they encountered this account. 
This is beyond devastating at this time and I am hoping that you can help me look into this unfair and illegal practice that is causing me such a hardship and barrier in my life. I have perfect credit and payment history ( other that this un-validated blemish sitting on my credit reports ). I look forward to your response and I am ready to submit all of the proof that I have compiled over the past several months of disputing this account. 
Thank you in advance
Consumer complaint received 2019-03-12
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. (NV)

I happened to check out what was going on with my credit report. I noticed several collection items placed on my report that do not belong to me. Please remove them from my report today I appreciate the help. Thanks so much.
Consumer complaint received 2019-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have an XXXX XXXX XXXX credit card through Bank of America. I am able to access card information through an online service through Bank of America. I have activated a " minimum payment option '' which indicated that my amount due was {$210.00} to be taken directly out of my bank account. I have confirmed with Bank of America that the minimum   pay option was marked on my online account. 

Bank of America took {$10000.00} in addition to the {$210.00} on XX/XX/2019. This was unauthorized, and represents an illegal action by Bank of America. Please prosecute them for theft, as they now have confirmed to me that they will not be returning these funds. This was especially vexing as the funds in my account were to pay Federal and State taxes.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I had an account with XXXX XXXX XXXX. ( account number XXXX ) I paid it on time and paid it out this month. I also was cosigned on another XXXX account that was charged off. ( account number XXXX ). XXXX has mistakenly placed the " charged off status on the current account ( ending in XXXX ) that was from the latter account ( ending in XXXX ). 

To prove this I have provided a copy of my credit file from XX/XX/XXXX where I circled the 30/60/90 days late indicator showing " zero '' in all of those fields ... .and that reported to the credit bureaus on XX/XX/XXXX. 

I then provided a copy of the files from TWO MONTHS LATER that now showed " 25 times 90 days late '' and was reported in XX/XX/XXXX. Now this account could not have gone 25 times 90 days late IN JUST TWO MONTHS. 

This is a clear violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I disputed the account initially before hitting my credit report. 
The company ignored my request. 
I have court documentation and I have supplied the company after they failed to do their own investigation. 
I would like this debt removed until they have concluded the investigation.
Consumer complaint received 2019-03-12
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

XXXX XXXX has falsified information on my Real Estate Tax payments.I paid my taxes in person on the due date of XX/XX/2019.I sent them a copy of my receipt.They have not changed their records & they are saying I am in default.They have said the same thing about my homeowners insurance.I have paid it & sent them proof & a copy of policy.They also said I have not paid my condo maintainence.I paid it when it was due.I believe they are trying to create a default situation so they can forclose.I am being harassed.I have received many letters from them & have replied by either faxing or e-mailing info to them.I suspect this is a national problem with many more seniors like myself facing this problem with them.Please help me resolve this Thank you XXXX XXXX
Consumer complaint received 2019-03-12
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: BMO Bank, N.A. (IL)

on XX/XX/2018 I had a taxi ride from XXXX airport to my home and was charged two times for one ride. There are two charges for exactly {$39.00} from XXXX XXXX XXXX on XX/XX/18. 

When I called XXXX XXXX XXXXXXXX Master Card I was told I can not dispute a bad charge once it is past 100 days old. They were able to confirm seeing the two identical charges the same day from the taxi company yet they refused to dispute the charge and asked me to call the cab company. 

I called the cab company, XXXX XXXX XXXX XXXX and they said they have no records from last year and instructed me to call XXXX who handles their billing. I called XXXX XXXX and they also confirmed they see the double charge, but could not help due to the amount of time that had passed. 

I have attached a copy of the credit card bill which shows the two {$39.00} charges from XX/XX/18. ( There is also a {$39.00} charge from XX/XX/XXXX but nothing wrong with that ) Best wishes, XXXX XXXX XXXX
Consumer complaint received 2019-04-26
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. (IN)

I have contacted Experian multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Experian in regards to an account listed on my credit report as XXXX XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Experian, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Experian and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Experian was reporting an open date of XX/XX/XXXX however XXXX was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX  XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (GA)

I have had Best Buy Credit card for a long time. 
I have set up auto bill pay with XXXX  XXXX XXXX so every XX/XX/XXXX of the month, the card is paid. 
About 20 months ago, I experienced the same issue. They charged me for a bill past due. 
The interesting part is that i had been paying $ XXXX/month without any purchase. They went into my account and cut me a refund check that never arrived, about {$1500.00}. When I went to the store to buy a merchandise, the credit card had XXXX balance, rather than {$1500.00}. I asked them to void the check and put the money back into the credit card as credit. Well, they didn't do it, they charged me fees, and I had to come to CFPB to clear the issue. They have yet to make full payment of that balance ... 

Now the issue is the same ... they have charged me twice a {$31.00} fee for not paying the recurring bill. They called me this week ( about 2 days ago ) to complain about a past due balance from XXXX. They were claiming they never received a payment. I asked the collector ... Did you see a payment posted every single month, on the XXXX? After 10 minutes fetching in the system, he realized that the payment had been made, but unfortunately Citi 's system received it as a prepayment for the previous month, and not for that month. I explained that that is their problem, and not mine. That they had already asked me to change my recurring payment 20 months ago for the very same problem. Well, if I make monthly payments religiously, why would they still charge me {$31.00} as fee? Citi 's system is clearly broken and I shouldn't be getting nasty calls from their collections team accusing me for past-due amounts when clearly payments are being made, as they have been for the past decade. I just feel that I, as a consumer, shouldn't be bugged for automated systems that have little to no intelligence, and ends up being accusatory and disrespectful. 
Given that this is the 2nd time this is happening, and that they have already not fully credited me for the {$1500.00} in the past, I feel this complaint is well deserved. 
Thanks!
Consumer complaint received 2019-11-07
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: EQUIFAX, INC. (LA)

THE CREDIT REPORTING AGENCY HAS BEEN NOTIFIED THAT I DO NOT KNOW OWE XXXX XXXX. DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM THE AGENCY HAS ALLOWED THIS TO STAY ON MY CREDIT REPORT.
Consumer complaint received 2019-11-07
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. (LA)

XXXX  HAS NOTIFIED THAT I DO NOT KNOW OWE XXXX XXXX   ACTS XXXX, ACT # XXXX AND ACT # XXXX DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM XXXX  HAS ALLOWED THESE TO STAY ON MY CREDIT REPORT.
Consumer complaint received 2019-11-07
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. (TN)

Transunion is reporting incorrectly a collection/Charge-off in the amount of {$100.00} on XXXX account number XXXX. ( Please see page attached from my credit report. ) I cancelled this service in the time permitted by XXXX to do so however, XXXX still forwarded a bill to me even though this service was in fact cancelled. The representative I spoke with at XXXX acknowledged that the account had been closed and that remitting a bill to me was in error and I was assured that this account would not be reported delinquent on my credit report. Unfortunately, XXXX did not honor their agreement and now this account is reporting as a collection/charge-off on my credit report. I was told by the representative that they would contact the bureau and have this item immediately removed from my credit report. To date, this has not happened. This incorrect reporting of a false collection/charge-offXXXX is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to have this line item removed however, I have not been successful.
Consumer complaint received 2019-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MN)

On XX/XX/XXXX I called My servicer to update my address after paying off my home loan in order to collect the escrow check. 
At their direction, I submitted a form signed by me and my wife to update our address. Form noted that it can take 5 business days to update address. 

On XX/XX/XXXX my servicer mailed my escrow check to my old address. Servicer did not update my address. 

On XX/XX/XXXX my servicer told me they couldnt issue a new check for 30 days after XX/XX/XXXX due to company policy - even when it was their error in mailing the check to the wrong location. I think theyre doing this intentionally to collect interest on the funds - over {$5000.00}
Consumer complaint received 2019-03-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: U.S. BANCORP (OH)

Was called by ( XXXX ) XXXX with a recording asking to verify personal info, give them a phone number to my jobs HR department. The recording talked about forfeiting property and being taken to court. I called the number back twice, on the second time someone answered, knew who I was from my phone number ... .asked to verify my social and they gave my last four. I confirmed. They then proceeded to tell me that I was being sued by US Bank for trying to defraud them on XXXX  separate accounts, the separate being in the amount of {$640.00}. 

Interestingly enough I had that US Bank account reported to my credit a few months back and had settled and paid off anything in collections. I made them aware that I had paid and settled this after telling them that it was reported to my credit brought XXXX XXXX. She said that this isnt something that would have been reported on my credit. 

XXXX searches for the phone number in question turned up scam after scam. I called the original company I dealt with to settle my debt after it had been reported to the credit agencies. And now have proof that both of these accounts are settled.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.