davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (PA)

On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX sent, via regular mail, without my signature required, a NOTICE OF INTENTION TO FILE A LAWSUIT pursuant to Civil Code Procedure 1033 ( b ) ( 2 ) in a Supreme Court for a debt of {$950.00} with a date of default of XXXX/XXXX/XXXX in correspondence under California Law. 

I called the company and only received voice recordings. On XXXX XXXX, XXXX, I spoke with a customer service representative from The Offices of XXXX & XXXX : I indicated I disputed a previous debt with the fraudulent creditor - Cash Central. The Office of Attorney General was contacted regarding this matter. 

On XXXX XXXX, XXXX, I requested written verification of this debt, which The Offices of XXXX & XXXX could not provide, and I indicated a previous dispute of this debt, fraudulent debt, and unfair debt collection practice - past the statute of limitations in the state of California, as they are operating under California Law, and past the statute of limitations for my state of Pennsylvania. The customer service representative refused to be of assistance, yelled at me, and attempted to dominate the conversation. 

No information that was correct could be provided to me verbally or in writing. I stated I am disputing this debt for the second time, and I am filing a consumer complaint with the California Attorney General. I completed this Attorney General Complaint and sent it to the Attorney General, as well as XXXX XXXX XXXX XXXX XXXX XXXX. They were also emailed about the dispute. 

I have written documentation of all the above information sent to this debt collection agency and Attorney General. This debt collector and creditor - Cash Central - need investigated for fraud and unfair debt collection practices. 

Investigation needed on both entities below regarding the above matter : Cash Central Represented By : The Offices of XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The account below is paid off. 
XXXX XXXX Last reported : XXXX XXXX, XXXX {$51000.00} Good Overview You 've paid off 1 % of the original amount. 
Balance {$51000.00} Highest Balance {$52000.00} Monthly payment {$1000.00} Opened XXXX XXXX, XXXX ( 2 mos ) Term 72 months Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Open Type Automobile Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0
Consumer complaint received 2017-12-08
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. (VA)

I have 2 Accounts that have been paid off and they are showing derogatory on my credit and I will like them deleted for reporting incorrect information, XXXX XXXX XXXX and a XXXX XXXX account I need help in getting this updated or removed from my credit profile
Consumer complaint received 2017-12-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO. (FL)

I am a customer of XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX has payments due every day of the month for their leasing and financing customers. If a payment date is on a holiday or a weekend it is absolutely not possible for their customers { me } to make a payment whether it be via phone or internet. 

Most people will pay their payment on the due date but will not be able to if on a holiday or weekend with Lincolns set-up ; thus this is a clear case of penalization for profit as XXXX XXXX XXXX XXXX charges late fees when a payment is made after the due date whether or whether. 

XXXX XXXX XXXX XXXX needs to change their ways like other institutions and play fair. Thus far they are not. Honestly, until today I didnt think that there were any financial institutions stupid enough to do what XXXX XXXX XXXX XXXX is doing. 

I do hope that with this complaint the Consumer Financial Protection Bureau severely sanction XXXX XXXX XXXX XXXX as no one should be taken advantage in this way.
Consumer complaint received 2017-12-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services (CA)

I contacted XXXX because Sequoia Financial Services kept checking my credit and had 5 bills of mine totaling almost {$17000.00} ... the original Total was over 50,000 and the hospital absorbed 95 % leaving me with a balance of {$2600.00} ... I never received anything from the hospital and it was sent to collection almost immediately even after the financial agreement ... They also retrode it to cover past and present ... I only received {$14000.00} of that {$50000.00} total and bills the rest I never saw ... And Sequoia also had two bills for over {$6000.00} that the hospital never sent me from XXXX and I do n't think I was even there ... When I filed the dispute with XXXX on XXXX XXXX I sent them the documents from the hospital as well as my letter asking for the financial assistance ... On XXXX XXXX XXXX  removed every single one of the Sequoia charges because they were not valid ... Then on XXXX XXXX I got a letter from Sequoia Financial Services stating that I owed them {$12000.00} and that amount almost {$1700.00} was interest that they illegally charged to my account on fraudulent bills ... those two bills for over {$6000.00} for not included in their total I do n't even think that they were real bills ... and the worst thing that they did was they somehow illegally obtained my very private and detailed emergency room visit that nobody should have ever seen ... I know this because Sequoia sent it to me and I was floored ... I have never heard from them since and a couple days ago I got a bill in the mail from another collection agency called XXXX XXXX XXXX and they have purchased one of my accounts from Sequoia ... this company is the worst and they have so many complaints against them I ca n't even understand how they 're still allowed to be in business ... They are Crooks and they are breaking the law
Consumer complaint received 2017-12-08
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. (NJ)

As mentioned in attached FTC Report, Number XXXX, I learnt that XXXX chose to reopen an account that was closed since XXXX. XXXX, XXXX and close it as fraud today. I do not know the reason since I never reported any fraud on the account, as the account was paid fully, in good standing, and I initiated the closure in XXXX. XXXX because I did not want to have a XXXX credit card anymore. Further I never reported any fraud or dispute on the account ending in XXXX ever. So, there is no reason for XXXX to reopen the account without my knowledge to close it as fraud. 
Also, XXXX had reported the account as Paid / Closed, Closed by Consumer as it should be, since the closure on XXXX. XXXX, XXXX. 
If XXXX modifies the reporting on the closed account ending in XXXX, please block the modified reporting as it fraud by XXXX. 
I appreciate your assistance with this request. If you have any questions, please reach out to me at the above address.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

As mentioned in attached FTC Report, Number XXXX, I learnt that XXXX chose to reopen an account that was closed since XXXX. XXXX, XXXX and close it as fraud today. I do not know the reason since I never reported any fraud on the account, as the account was paid fully, in good standing, and I initiated the closure in XXXX. XXXX because I did not want to have a XXXX credit card anymore. Further I never reported any fraud or dispute on the account ending in XXXX ever. So, there is no reason for XXXX to reopen the account without my knowledge to close it as fraud. 
Also, XXXX had reported the account as Paid / Closed, Closed by Consumer as it should be, since the closure on XXXX. XXXX, XXXX. 
If XXXX modifies the reporting on the closed account ending in XXXX, please block the modified reporting as it fraud by XXXX. 
I appreciate your assistance with this request. If you have any questions, please reach out to me at the above address.
Consumer complaint received 2017-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRSTBANK (CA)

XXXX was offering a XXXX dollar promotional credit upon opening a new checking account and receiving a XXXX dollar direct deposit. The credit was issued upon completion of this direct deposit but was later rescinded. After another XXXX dollar qualifying direct deposit from the same originating financial institution as the first one was received XXXX refused to re-credit the account with the XXXX dollar. They constantly bent the rules and kept referencing different rules etc. The requirements were met but XXXX wont make good on their offer.
Consumer complaint received 2017-12-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (OR)

My rent was {$570.00} a month. I paid the rent on time and in full. I gave proper 30 day written notice that I would vacate. I did n't damage the unit. They took my entire security deposit. Their workers who many did n't speak English kept entering my unit without notice so I moved out. I let management know but the workers kept doing it. I do not owe this. I 've never been given written notice of the debt. I asked for it just about 2 months ago, again, and habe still received nothing.
Consumer complaint received 2017-12-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

XX/XX/XXXX/XX/XX/XXXX my mortgage payments were being delayed due to a changed of my income and household finance. I notified my mortgage company XXXX XXXX and asked if I could qualify for a hardship help. I received the papers in the mail and immediately faxed them back to the person who was assisting me XXXX XXXX XXXX. XXXX XXXX told me that my paperwork was submitted and that he would let me know what the outcome would be. I received a call around the end of XX/XX/XXXX, and I spoke to a XXXX XXXX XXXX, he explain to me that he is the new person on my case that will be helping me in my modification and that somehow XXXX XXXX has misplaced all of my documents. XXXX XXXX stated in order for me to be consider the committee said I must complete the documents over again, and so I did. So XX/XX/XXXX I faxed all the documents that was requested in to XXXX XXXX all that I did not faxed I email to him and was waiting on his response. A week later XX/XX/XXXX, XXXX XXXX stated that the documents were missing and some were expired, he also stated that I had a certain amount of days to get those documents in and I did. XX/XX/XXXX in the first week came and I received a call from XXXX XXXX and again he stated that he not yet to receive the documents that I faxed to him and my filed has been on hold because of this matter. By this time I am upset because I feel as if someone is not being truthful to me because I know I have sent the required documents several times and I am being brushed off. On XX/XX/XXXX, I received a call from XXXX XXXX XXXX and again the documents were not in, and most of them were expired, I were just shocked. So I expressed my concerned about this issue and said that " XXXX XXXX has a history of taking property from people that has problems making payments '', and I stated that I am going to talk to someone and get some help with the Better Business Bureau or the Federal Trade Commissioners office and when I made that statement XXXX XXXX became very upset with me and reassured me that this is not the issue. On XX/XX/XXXX, I received in the mail a notice that my home was being foreclosed and it was filed on XX/XX/XXXX. I felt as if the mortgage company did that because of my threat to report them of their unfair practice. I have enough equity to refinance or take a second loan out but I was not giving that option at all or consider that option at all. I have documents to back up the dates what was sent to each of the representatives that was fax and time, date.
Consumer complaint received 2017-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I was charged overpriced, the amount of {$940.00} by XXXX XXXX XXXX, California, XXXX, For service change oil, and check Engine light, ( service does n't cost More than {$120.00} ) My Chase Bank been sided to the Merchant, and overdraft my business checking account, until This minutes, and it is not willing To solve the problem.
Consumer complaint received 2017-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

mortgage company will not take my payments stating payments were being made, I requested they take my normal payments as the payments were not made by me. The payments credited to my account pushed my payments to XX/XX/XXXX. As to date they still have not taken my payments, I have called and written several times, every month since the beginning of my loan in XX/XX/XXXX of this year. 

My credit report states differently and it now states I am over 60 days past due. I have not been able to make the company take my payments although they confirm my payment information and method. 

I have not been able to find an attorney to help me as I am deaf, they refuse to assist telling me to get an interpreter but that is before providing me a date or time to discuss the matter with them. ( I can only be contacted via email or text to my phone but I can make outgoing calls. ) I have 2 of the 4 due payments and requested the mortgage company to extend me 2 months to bring my account to date. 

Documentation can be provided.
Consumer complaint received 2017-12-20
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: Capital Accounts, LLC (KY)

I received a notice from XXXX XXXX that their had been an entry on my credit report. I looked at my credit report at XXXX and found a report from Capital Accounts on a supposedly account i have with XXXX XXXX in North Carolina. I contacted Capital Accounts and spoke with a lady by the name of XXXX. I gave her all my information and reported I have not been to a dentist since XXXX. I then called the Dentist and spoke with several people and finally got to speak to a lady in the billing department. I went over all information and she reported she did n't know how that collection agency got my information or my social security number. She report this should be under my sons name which is the same but he is a Jr. She reported she will notify Capital Accounts to have it corrected. I filed a dispute within XXXX and the final report has not been changed. Its amazing how in our society a company can get your information and file any report and the credit bureaus do little to nothing to get it corrected. Does this not fall into the classification of identity theft on both the collection agency and the credit bureaus?
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I noticed several inquiries on my credit report, some reported by the same company more than once. I called half of them starting on XX/XX/year>. I asked why the inquires were placed on the report, and asked what the inquiries was regarding, they would not provide me with the information. I then asked to speak with a manager regarding these cases, they would not provide me with a phone number. I then called again on XX/XX/year> but I didn't get an answer from XXXX of the companies. I did speak to XXXX, XXXX and XXXX from XXXX of the companies and XXXX said he would give me a call back. XXXX call somehow got dropped and XXXX told me a representative would get back to me in XXXX business days regarding this matter.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

This is in regards to my Kohls credit card account. I have always made my credit card payments on time and I have always maintained a credit score in the XXXX XXXX. I recently learned that I had missed a payment for Kohls. I had not been contacted by anyone from Kohls until the week of XX/XX/XXXX regarding the late payment. I had not received anything by mail or other phone before this call. When I did receive the phone call, I explained to the agent that I couldnt give her my payment information at that time but I would call back. I called back within 2 days. At that time, I set up an automatic withdrawal from my bank account of XXXX ( the day that my next bill was due ) for the amount of {$210.00} to bring the account current. At this time she told me that they would also credit my account {$74.00}. The agent led me to believe l that this would not negatively affect my credit since I was paying by my next due date and it has. The late payment are now showing on my credit report and are affecting it dramatically. I have sent two request to Kohls executive office to remove the late payment on my report. I received one letter stating this could n't be done and I have not received a response from my second request. We are currently trying to get a different home in order to help care for a family member and the late payment is effecting my credit score greatly. I would like for Kohls to remove the late payment for the credit report. Thank you.
Consumer complaint received 2017-12-20
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. (KY)

I received a notice from XXXX XXXX that their had been an entry on my credit report. I looked at my credit report at Experian and found a report from XXXX XXXX on a supposedly account i have with XXXX XXXX in North Carolina. I contacted XXXX XXXX and spoke with a lady by the name of XXXX. I gave her all my information and reported I have not been to a dentist since XXXX. I then called the Dentist and spoke with several people and finally got to speak to a lady in the billing department. I went over all information and she reported she did n't know how that collection agency got my information or my social security number. She report this should be under my sons name which is the same but he is a Jr. She reported she will notify XXXX XXXX to have it corrected. I filed a dispute within Experian and the final report has not been changed. Its amazing how in our society a company can get your information and file any report and the credit bureaus do little to nothing to get it corrected. Does this not fall into the classification of identity theft on both the collection agency and the credit bureaus?
Consumer complaint received 2017-12-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Commonwealth Financial Systems, Inc. (LA)

Collection Agency Common Wealth Financial opened account on XXXX XXXX, 2016 for a balance of {$1000.00}. This collection agency isnt licensed in my state and I am requesting it to be removed from all three credit bureau.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have recently noticed in the past couple of days that credit inquiry 's for credit cards have been tried to apply from in California, as well as they hit my bank account for {$5.00} for a purchase from a XXXX XXXX XXXX app from California as well and has put my account into the negative. I use to have a lot of inquiry 's and withdraws from my bank accounts a lot and had to have my accounts monitored. for theft activity and it looks like they are doing it again, and I have to stop them because XXXX is right around the corner and I ca n't afford to lose my money again.
Consumer complaint received 2017-12-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (LA)

XXXX XXXX XXXX appeared on my credit report. I contacted the company several times to explain that the debt does not belongs to me and to please remove. I attempted to call XXXX to ask them to remove the debt because it was not my debt as well but I was told that they can not remove a debt that I must go through the company. I have exhausted all options to resolve this unauthorize debt.
Consumer complaint received 2017-05-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (SC)

Back in early  XXXX  I moved to a different area and had  XXXX   XXXX . When I found out  XXXX  could not service my new address I canceled the contract. Knowing that if they could not service my address the contract would be void, I was not worried about paying out the contract. I also had a conversation with a  XXXX  representative that confirmed the same. About  six months down the road   XXXX  with  XXXX  {$850.00} from my checking account without any prior consent or knowledge. They claim that that was the balance of the contract. I contacted them to dispute this since they could not service my address and a representative told me that that must 've been a mistake. However, the only way I got my money back was filing a dispute with my bank. I won the dispute got my money back and all was fine. Then, In  XXXX  I went to buy a home was preapproved to build a house. On the final days they had to pull my credit report which would 've been early  XXXX ,  XXXX  had sent that balance of {$850.00} to a credit reporting agency, dropping my  credit score . It is now placed on my credit report as money owed which clearly I want my dispute and should not be on there. It is falsely on my credit report. I would like to get it removed immediately before I decide to take some other kind of action. Would you be able to help me with this?