davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My son went to eat dinner at a restaurant called XXXX XXXX on XXXX. Thats where he used the debit card to pay the bill and the numbers were stolen from the card. on XXXX there were several charges for XXXX for the amounts of XXXX, XXXX, XXXX, XXXX. On XXXX They had a charge for XXXX for the amount of XXXX. Well i reported the fraudulent charges to the bank ( Capital One ). they said they were to investigate it and we would be notified of a decision. I also cancelled the debit card on XXXX the day that i saw the charges on the account but couldn't file a claim until the charges posted to the account. I also reached out to the restaurant because that was the only place he had used the debit card at. from there i was put in touch with there corporate office, The girl that works there said after review of the camera 's she said that she seen where the numbers were taken down and by who. She said it was a girl named XXXX, also some guy and she wasn't sure if the server was in on it to. Upon further investigation they were all fired from the restaurant. The bank denied the claim! I went on vacation out of the country for 2 weeks so when i returned i called to check on it. I was informed that it was denied, I asked how was it denied and thats what they said. I argued the point. So they said they would open another investigation. well that was on XXXX. I called today on XXXX they r telling me that it could take up till XXXX of XXXX to make a decision. Well they have never replaced the $ that we claim was fraud! This is not right. Now we are out $ XXXX.That is more that my son makes in a week. Times are hard I have given them all the evidence to prove that this was fraud!! phone numbers and all. Something needs to be done!!!
Consumer complaint received 2020-11-26
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. (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 2021-03-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have a school loan with XXXX XXXX XXXX XXXX XXXX. I reported that the wrong account number is listed on my credit reports with XXXX XXXX, and TransUnion. 

I had several account numbers for some reason, and some were deleted due to sending debt validation letters to each credit reporting agency. 

On XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, I sent certified mail and debt validation/verification letters. They did not share how they verified/validated the debt with XXXX XXXX, as requested on my notarized letters. 

Excerpt from my notarized letters to credit reporting agencies. 

" Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required topromptly DELETE all information which can not be verified '' NOTE : I have 3 rounds of debt validation letters, with certified mail receipts, and the documents that I sent for review and support my case.
Consumer complaint received 2018-12-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

I would like to file a complaint against I C System Inc for not complying with the FDCPA, which requires that they notify me of a debt via mail. I did not receive notification of debt by mail or telephone. I was notified by XXXX  credit agency that I have a collection account that drastically dropped my credit score. 

On XX/XX/XXXX, at XXXX, I received an alert from XXXX  that a change occurred on my credit report. I logged onto the XXXX  site and noticed my credit score dropped 30 points due to a collection file submitted by I C System Inc, XXXX XXXX XXXX, XXXX XXXX, MN XXXX. The amount is {$360.00}, and the original creditor is XXXX XXXX XXXX  XXXX. 

I called I C System Inc at XXXX XXXX  and spoke with debt collector XXXX XXXX. Our call lasted 9 minutes. Mr. XXXX asked me to verify my address at the beginning of the call. I gave him my current address, which I have lived at since XX/XX/XXXX. Mr. XXXX asked me to verify my previous address, I gave him the previous address I resided at for 3 years prior to moving to my current address. Mr. XXXX asked if I ever had a PO BOX , and I replied, " No ''. I repeated my previous address again. Mr. XXXX asked me again if I ever had a PO BOX address. I told Mr. XXXX I have never had a PO BOX in the state of Georgia. ( I have lived in the state of Georgia for 5 years ). Mr. XXXX asked me to repeat my current address and asked if the number I was calling from was a good number to contact me. I told Mr. XXXX bill was invalid and should have been covered by my previous health insurance company. Mr. XXXX told me debt was for date of service XX/XX/XXXX, and my statute of limitation has run out to get my insurance company to cover it. Mr. XXXX said he has been in this business for a long time and was certain I was too late to submit to my previous insurance company. Mr. XXXX asked me to allow 30 days for him to receive an initial bill from the creditor that I could submit to my insurance company. He also suggested I contact creditor directly. 

I disputed item with XXXX, and I C System reported the item as being correct. I was not given the opportunity to address this debt and get it resolved once it was sent to their office. Mr. XXXX confirmed on their recorded line that they had a PO BOX address for me. I am certain that the USPS would have returned invalid mail to their office.
Consumer complaint received 2019-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (OR)

My husband and I purchased a home in Oregon. My husband continued to work in California and I moved into the home. Our home owners insurance is separate from the mortgage. We thought the insurance was on auto pay through our Insurance Broker as has been our custom. Because we were overwhelmed planning our wedding, relocating and working in different states much of the time, we both thought the other person was watching the insurance payments. The insurance payments lapsed for 10 months before we became aware. Though we forwarded our mail we did not receive the three notices from our insurance company despite documentation by the insurance holder that they were sent. The final notice by the lender to get insurance and avoid forced insurance went to my the property where my husband works rather than the address of the home where I reside. My husband and I never saw any other noticed by the lender prior to the final notice. We are the only ones who check our mail. We obtained home insurance right away once we discovered the problem. Now the lender wants to charge us for purchasing home insurance ( that they have not yet purchased ) for the lapsed time at nearly 2 times greater than the initial cost if we can't show coverage during the lapsed time. I understand having to pay a lender back for purchased insurance during the lapse or even for the cost of lapsed time for a more reasonable rate.

1.Can they demand to purchase lapsed insurance that was not purchased during the lapse and after the date we had already purchased a new policy?

2. And if so, can they charge a rate that is more than two times the annual rate of lapsed coverage?

3. I have not been able to find a company who will provide backdated home insurance, so how can they find such a policy? 

Your response to these questions is greatly appreciated. 

XXXX XXXX
Consumer complaint received 2021-12-04
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Coradius International LLC (PA)

American Coradius International, LLC is sending me collection notices in the mail on behalf of XXXX to collect on my XXXX in XXXX acccount. I believe this is fraud. I dont owe XXXX XXXX money and while I have a XXXX account I do not have a XXXX in XXXX account. They are requesting {$670.00} with Reference ID : XXXX I have read this is a scam online and want it reported. 
The company is American Coradius International, LLC Telephone XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Reference number : XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I was reviewing my credit report a few months ago and noticed that I have information that is Not reporting correctly. I saw information for a Bankruptcy XXXX. 

I contacted XXXX XXXX courts on multiple time and even after speaking to multiple people, I was advised that they DO NOT provide any information to the credit reporting agencies. Thus, I am confused as to how this information is even reported, especially because it is NOT correct. 

I know that my rights as a consumer ensure 100 % accuracy of information that is being reported about me and this is definitely NOT accurate. 

Please advise how to handle this.
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

Hello. I was in a car accident on XX/XX/2021. My car was totaled by a driver who ran a stop sign, and my insurance XXXX XXXX, claim # XXXX XXXX paid off my auto lender. 

The account still shows that its active on my credit report and its stopping me from getting approved on any car. 

The insurance paid my auto lender on XX/XX/2021 and it was paid to Toyota motor credit corporations. On the credit report it shows XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX. 

I need this removed from my credit report because it has been paid off and I need to purchase a new vehicle in order to get to work and to my doctors appointments.
Consumer complaint received 2022-09-26
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. (UT)

I was past due on my XXXX XXXX  account and called them on XX/XX/XXXX to set up a settlement. After being hung up on a few times I was told that they only do settlement calls on XXXX of month and call back then. Called back on XX/XX/XXXX and was told it had been sent to collections. In XXXX of XXXX I received a letter saying this had been sold to XXXX XXXX. I settled this debt with them XX/XX/XXXX for {$3000.00}. A couple of months ago I received a letter from XXXX XXXX  saying the debt had been sold to them. I notified them this had been sold and paid thru XXXX XXXX but never heard back. I filed a dispute with Experian on XX/XX/XXXX and included the letter from XXXX XXXX saying that I had a XXXX  balance. Experian notified me on XX/XX/XXXX that the debt had been verified. I've only ever had XXXX account with XXXX which is clear on my report and the XXXX XXXX email shows that it has been paid. I'd like the XXXX XXXX removed from my report.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC (FL)

XXXX XXXX XXXX Governs access to the consumer credit report, records and promotes accuracy fairness and privacy of personal information. assembled by credit reporting my information was exposed to the data breach.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (AZ)

I made a settlement agreement with the original creditor. I sent a copy of the agreement and proof the payment to XXXX to update my credit report. They updated my report initially and then changed it back to show me owing the balance the next day.
Consumer complaint received 2022-09-26
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. (FL)

To whom it may concern. The following addresses need to be removed from my credit report I do not live at the following locations. XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX, XXXX XXXX XXXX PL, XXXX, XXXX, FL. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL. XXXX.
Consumer complaint received 2018-12-13
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Charlottesville Bureau of Credits, Inc (TX)

I have ask for the following and if not recieved I requested deletion and I have yet to get the following items 1 agreement with the creditor that authorizes you to collect on this alleged dept 2the agreement bear my signature stating that I have agreed to assume the dept 3 valid copies of the dept agreement stating the amount of the dept and interest charges 4 proof that the statute of limitations has not expired 5 complete payment history on this account along with an accounting of all additional charges being assessed 6 show me that you are licensed to collect in my state ; Texas 7 your lincense numbers and registered agent I have yet to receive any of this information, and its really becoming a problem, please assist me with this issue
Consumer complaint received 2018-12-11
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (GA)

I have a loan with XXXX XXXX/NAVI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX/NAVI with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX - XX/XX/XXXX.
Consumer complaint received 2018-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (TX)

I decided to take advantage of a promotion w/Citibank in XXXX of 2018. The promotion requirements were to deposit {$15000.00} within thirty days of account opening and maintain the balance for sixty consecutive calendar days following. Ninety days after this requirement was met, Citibank was suppose to deposit the {$400.00} bonus. They did not. I have contacted them and am getting the run around. To follow is a timeline of my account activity. 

XX/XX/18 Opened Checking and Savings Account ( See XXXX Citibank Acct Opening Application.pdf ) XX/XX/18 Deposited $ XXXX ( See XXXX Statement.pdf ) XX/XX/18 Met 60 day requirement ( See XXXX Statement.pdf ) XX/XX/18 Bonus was too be paid. It was not. 

XX/XX/18 Called to inquire about why I hadn't received my bonus. Was transferred a few times. After 45 minutes, a supervisor named 'XXXX ' said she opened a case. She said it would be resolved within 48 hours to which I received written communication confirming. ( See XXXX Notice.pdf ) XX/XX/18 Still no bonus and no follow up. Called again to inquire. Still no answers. Another 45 minute call resulted in a supervisor named 'XXXX  ' stating he had escalated the matter but didn't know when it would be resolved. He had no answers. I let him know this was unacceptable. I then asked for instruction on how to file a complaint. XXXX was very reluctant to provide this information stating he had done so for me. 

I find this all unacceptable. It is simply a matter reviewing my banking activity to see that I met the requirements for their promotion. They are giving me the run around.
Consumer complaint received 2018-12-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc. (WI)

State collection services is trying to collect debts that are expired has the statue of limitations for the state of Wisconsin they are also reporting it to my credit agency and there are duplicate negative remarks are regarding the same account that should have been already dismissed from my viability of the debt due to the Wisconsin statute of limitations they are negatively impacting my credit score which is negatively impacting my life and my ability to get credit.
Consumer complaint received 2018-12-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonded Collectors of Wisconsin, Inc (WI)

My credit score has duplicate negative accounts from bonded collectors of Wisconsin and it makes the balance that I have increased dramatically impacting my credit score negatively and the that is older than six years old since the day it was first entered as a debt of mine from XXXX XXXX XXXX in XXXX Wisconsin bonded collectors of Wisconsin is using manipulative business practices by submitting duplicate accounts for the same account. The statue of limitations has expired on this debt pere Wisconsin state law of 6 years.
Consumer complaint received 2022-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (NV)

My name is XXXX XXXX, a federally protected consumer, XXXX making this complaint against IQ DATA INTERNATIONAL for committing identity theft. I have NEVER given IQ DATA INTERNATIONAL any type of permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt theyre claiming I owe. I am fully aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have NEVER received any type of documentation requesting validation from IQ DATA INTERNATIONAL what so ever before they committed multiple violations under the FCRA and the FDCPA. IQ DATA INTERNATIONAL is in complete violation by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) in which the FTC defines as debt parking. If IQ DATA INTERNATIONAL can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, prior to furnishing it on my consumer report Ill have reason to believe that this account has been a fraudulently furnished with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until IQ DATA INTERNATIONAL can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and IQ DATA INTERNATIONAL continues its collection efforts, I will file for litigation for actual damages caused and IQ DATA INTERNATIONAL will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-01-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (IL)

I need help saving my home from bogus fees, and cost being billed to me monthly by my lender FAY. 
About six months ago I applied for a loan modification ( however, on XX/XX/XXXX I declined offer extended XX/XX/XXXX for {$770.00}. The outcome would have made my payment higher so I declined and continued making my mortgage payments. I was not late when i applied and have not been late since I applied. 
My mortgage statement is currently showing due for {$880.00}, however my regular payments are {$770.00} and I have no late fees or any other fees. 
This lender has sent in writing that my payment has changed from {$800.00} ( XX/XX/XXXX ) to current {$880.00}. 
When I called to address they place the call on hold for hours, and then hang up. I have been working with a Housing Counselor at XXXX XXXX XXXX for XXXX XXXX for the last 6 months and no results with the lender FAY. Please help resolve this issue.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Jon Barry and Associates, Inc. (NC)

On XX/XX/XXXX of 2018 I discovered a collection account from XXXX hospital on my credit report. 
I called hospital 's billing department and disputed the amount of the bill which was {$1500.00}. I sent them both documented proof that on the date of service proving I did had valid and billable insurance. When I spoke with the representative at the hospital in the billing department it was discovered that the hospital filed with the insurance the wrong billing code under " MENTAL HEALTH SERVICE for a XXXX XXXX instead of medical servics. She told me this was a hospital Error and since two years had passed she don't think that the insurance company would pay and this was a billing and coding error in the hospital billing department. The collection account was taken off of my credit reports within 90 days. 
Then on XX/XX/XXXX of 2018 I discovered that the hospital has once again place the same account with a balance of {$1500.00} back on my credit report again with a different collection agency called XXXX XXXX XXXX  and I am disputing it once again with the hospital and with the collection service with those same document showing that on a date of service I had valid and billable insurance. 
I am now demanding that the hospital not be able to ever put this balance back on my credit report again this is an account that the hospital made the air on not the patient.