davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (AZ)

I woke up in a hospital on someday in  XXXX . It 's  XXXX  and I 'm getting repeated phone calls from a collection agency stating that I owe over a {$1000.00} dollars for an ambulance ride. I had active medical coverage at the time. This should have been billed to my insurance because it was active during that time.     The ambulance company ma de zero at tempt to notify of my bill. The bill was never mailed to my address , ( wh ich they had on file ), and no email was ever  sent ( which they have my email as well ). And no p hone calls were made in an attempt to reach me.     Now it is too late for this bill to be ran through my insurance because the claim is too old.
Consumer complaint received 2018-10-31
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: EQUIFAX, INC. (GA)

I didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - Equifax Data Breach ) ... 

XXXX XXXX XXXX  XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account )
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NE)

I opened a credit card with American Express in XX/XX/2017. It had a promotional offer that a bonus would be paid if {$1000.00} was spent on the card within the first 3 billing cycles. The terms stated that a cardholder was only eligible for the bonus one time on that card. Several years ago I had a separate American Express card, what I believe to be a different product with different terms. I spent over {$1000.00} on my current card, but was told that I had signed up previously for this card and they would not honor the terms of the promotion. I did not know when I signed up for the card that they did not find me eligible for the promotion. I received a letter in the mail saying I was eligible for the offer. If I was not eligible why were they sending me mail. I thought that by receiving the offer that I was eligible.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

XXXX  and XXXX are reporting a 30 late in my XXXX XXXX XXXX as wrong information. 
I have contacted the XXXXXXXX XXXX XXXX credit card issue and they told me that they have reported to the credit company to remove, but XXXX and XXXX  is decline to remove the 30 late from a report stating 30 Days Past Due and declining to remove from the credit file.
Consumer complaint received 2018-03-29
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. (MA)

XXXX and TransUnion are reporting a 30 late in my XXXX XXXX XXXX as wrong information. 
I have contacted the XXXX XXXX XXXX credit card issue and they told me that they have reported to the credit company to remove, but XXXX and TransUnion is decline to remove the 30 late from a report stating 30 Days Past Due and declining to remove from the credit file.
Consumer complaint received 2018-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

TRANSWORLD SYSTEMS has inserted an account in the amount of {$260.00} representing XXXX XXXX XXXX. XXXX. I have never had any business or obligation with TRANSWORLD nor XXXX XXXX XXXX XXXX .NOR have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. I have also informed TRANSWORLD SYSTEMS of this status. TRANSWORLD can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies. TRANSWORLD has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.
Consumer complaint received 2018-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (TX)

Diversified Consultant disregards my notices that I am a victim of identity theft and the account in the amount of {$960.00} that they hold under my social is a result of identity theft. I have never had any obligation to diversified Consultants nor any company that it represents. There is no legal contract bearing my signature. Diversified also failed to notify me of any attempt to collect a debt or notification that they would be reporting this account to the credit agencies.
Consumer complaint received 2018-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

I am a victim of victim of identity theft and fraud. The account below was opened as a result a fraudulent account opened without my knowledge or authorization. I did not open this account. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. 
I disputed this matter to this company onXX/XX/XXXX, and attached all the needed documents to verify my claim but to my surprise the company still reports this account which was fraudulently opened : XXXX XXXX XXXX XXXX Amount : {$750.00} -- - opened :XX/XX/XXXX ;
Consumer complaint received 2018-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I attempted to dispute the debt that was listed I owe on my credit report but first Id like to say Ive never received anything in the mail, but Ive never had a capital one credit card account or a XXXX XXXX account. They both have removed their self from my credit report now I have this company giving me a hard time and I sent a certified letter to them and they did not respond to by 30 days.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I have requested my free credit report to Equifax through the XXXX XXXX XXXX online. 
After rewing and going through the process requiring from Equifax as answering all the questions for verification, the system denies me, to get my Equifax credit report.
Consumer complaint received 2018-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

A mortgage held with OCWEN Loan Servicing was paid off by my credit union. At the same time OCWEN withdrew the next payment from my bank, although that amount was included in the payoff. 

The credit union contacted OCWEN who acknowledged they were holding funds not due to them, and said they would try to expedite the return of the money. 

Two weeks later, with no funds received back, I contacted OCWEN, received a huge run around, and finally I was told they would send my funds back after 20 business days had passed. They knew the amount due two weeks ago, but would still hold them until they elected to send them back. They couldn't provide me with any document I had signed authorizing that delay, could not show me a notice I had signed indicating that funds could still be withdrawn, though not due, until I notified them to stop taking money from my bank, and they could not provide me with any legal reference that allowed them to continue holding my funds. Finally, they refused to make any effort to expedite (? ) the return of my funds. 

The amount due back is {$1400.00}. I discussed this with employee ID XXXX, who told me there was no record of a contact on theXX/XX/XXXX, and XXXX who had full documentation of that conversation.
Consumer complaint received 2018-07-19
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. (IN)

XXXX XXXX XXXX is reporting negative on my consumer reports with XXXX and Transunion. I have notified XXXX, Trans Union, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. The last certified letter I sent them was a 5-day reinsertion letter dated XX/XX/2017, because they removed the account, but later Transunion and XXXX put it back on my report driving my score down. TransUnion and XXXX sent me a report stating that the accounts were verified. TransUnion do not have any reporting they just have the account as a bad debt. XXXX has the account reporting as a bankruptcy account. I have spoken to the company and had them send me the release of lien for the property again ; which I am attaching to this complaint. I am still the owner of this property. XXXX and TransUnion did not follow the requirements relating to reinsertion of previously deleted material. I received no such notification, this is a serious violation of the FCRA, and I demand that the account be deleted immediately from my credit report.
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (TX)

Called to open my brand new credit card and the representative on the other line started questioning my identity when I had clearly answered all of the security questions. She asked me very personal questions related to my education and wether or not I had graduated from college or high school. Not only did she discrimaminated against me because I am XXXX but I'm sorry I have credit cards over {$10000.00} dollars. Why in the world would I do any business with this bank that gave me a {$1000.00} credit card account. Ridicoulous.
Consumer complaint received 2018-07-19
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. (IN)

My XXXX XXXX XXXX account number : XXXX is being reported as being delinquent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XXXX XXXX credit report, XXXX has the account listed twice, one with the delinquency and one in good standing ; which they all should be in good standing with no delinquencies. The account has been closed and paid in full. I have notified Experian, XXXX XXXX, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. XXXX have removed the late status. The last certified letter I sent them was a 5-day reinsertion letter dated XX/XX/XXXX, they had removed the account delinquencies and later put them back on my report driving my score down. XXXX and Experian only sent me a report stating that the accounts were verified. They did not follow the requirements relating to reinsertion of previously deleted material. I received no such notification, this is a serious violation of the FCRA, and I demand that the delinquencies be deleted immediately from my credit report.
Consumer complaint received 2018-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against NCC BUSINESS SERVICES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Consumer complaint received 2018-07-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

On XX/XX/2018 freedom mortgage asked me to remove verbiage on all three credits reporting agencies, after I was approved and in underwriting. The the result was my score dropping more than 50 points and they informed me that I would no longer be qualified at the locked in rate and I could not look elsewhere due to my score dropping. This seems predatory as I was locked in at the rate upon agreement. And they had me ruin my score as to get an unfavorable rate
Consumer complaint received 2018-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

this company has contacted me several times pertaining a debt I don't owe. I have notified them several times to cease and desist yet they still continue to contact me by mail and by cell phone. they are also reporting negating information to the CRA 's.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On  XXXX   XXXX ,  XXXX  I received a notification from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and  XXXX   XXXX  that I had a hard inquiry from Capital  One cre dit card company. I filed a dispute through   XXXX   and was told it was sent through   XXXX  .   XXXX    in formed me that I would need to send separate notification to th e two  other bureaus  XXXX  and  XXXX . They provided letters to send to each. Here is what it said :   XXXX   XXXX   XXXX   XXXX    XXXX .   XXXX    XXXX   XXXX , GA  XXXX  To Who m It May Conc ern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and want an immediate investigation. Please remove the fraudulent information immediately from my file.    CAP ONE   XXXX / XXXX / XXXX  ( INQUIRY ) Once the fraudulent information has been removed, please send me a copy of my corrected credit report. If you have any questions I can be reached at  XXXX   XXXX   XXXX   XXXX . I look forward to hearing from you soon.   Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  SSN :  XXXX   DOB  :  XXXX / XXXX / XXXX  I was informed to wait 90 days to see the inquiry removed off of my credit. When 90 days passed and nothing changed on my credit report, I called    XXXX    and they told me I would need written confirmation fro m  Capitol One t hat  I did no have a line of credit open with them. In  XXXX  of  XXXX  I   called Capitol one  and spoke with a representative about this issue. After getting my perso nal information I was informed that I would be getting a letter within 60 days. I never received a letter f rom Capitol One and the hard inquiry is still appearing on all three credit bureaus reports. I unfortunately, do not have th e employee ID number from the call wi th Capitol One. Now, I am stil l wanting this removed from my credit since on  XXXX / XXXX / XXXX  report #  XXXX  verifies that this inquiry was not me and this was fraud. IF any additional documents are needed please let me know.
Consumer complaint received 2018-07-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (PA)

The collection agency somehow contacted my father in law on XX/XX/18 who has nothing to do with the credit card in collections. They told him i have a debt in the amount of {$1200.00} and gave him the reference number. Again he has nothing to do with this credit card account. They violated my rights by sharing information with another person.
Consumer complaint received 2018-07-18
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. (IN)

The three major credit bureaus are reporting a fraudulent collection account on my report and although I have supplied evidence that it is a fraudulent and malicious account, they have refused to remove it ; stating it as " Accurate and updated, '' -Transunion , XX/XX/2015. 

On XX/XX/2015, A XXXX XXXX XXXX manager decided he wanted to evict me. He padded my rental account with {$1500.00} in late fees. We went to Small Claims Court in Washington XXXX, XXXX, IN on XX/XX/2015. I had all my documents to show that I was not responsible for this outrageous amount and the attorney for the apartment complex could not support her argument once my documents were reviewed. 

Judge XXXX XXXX XXXX decided to " sever the relationship '' between XXXX XXXX XXXX  and I, and he did not order an eviction nor did he order a judgment against me. Still, XXXX XXXX XXXX, possibly in lieu of defeat, placed the bogus amount on my credit reports as a judgment, causing me mental anguish. 

I contacted Transunion and filed a dispute. I mailed them the documents I will attach here as proof. I even provided the Judge 's Order where it clearly states, " At the hearing, the Court was unable to make a determination of what, if any, amount was owed. '' Transunion still refused to remove the negative account from my credit report. This has now been on my credit report as " OPEN '' for 3 years.
Consumer complaint received 2018-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CO)

On XX/XX/XXXX my Citibank MC was charged {$730.00} by unknown unauthorized user. This appears as BESTBUYCOMXXXX-BESTBUY MN. Citibank issued a credit of {$730.00} to offset the unauthorized charge.

XXXX   County, Colorado sheriff was able to recover the stolen goods obtained by unauthorized use of my credit card. Copy of the police report is attached. The recovered goods was returned to Best Buy on XX/XX/XXXX. Best Buy issued a refund of {$730.00} against my MC account. When I reported this to Citibank, Citibank removed Best Buy refund from my account under security write off -overrides and at the same time Citibank removed previously issued credit for unauthorized charge. Citibank is now trying to collect a duplicate payment of {$730.00} from me for the unauthorized charge which I refused to pay for the following reasons : 1. Citibank was already reimbursed for the unauthorized charge by the refund from Best Buy ( copy of the Best Buy refund receipt attached ).

2. {$730.00} is unauthorized charge which I did not approve and contractually I am not responsible for.

Meanwhile Citibank added additional interest charges for unpaid unauthorized charge of {$730.00}, resulting in balance of {$750.00} as of XX/XX/XXXX.

I contacted Citibank 4 times in XX/XX/XXXXand sent 2 letters on XX/XX/XXXX and on XX/XX/XXXX to Citibank Customer Service requesting to correct my statements. I have received no replies from Citibank.
Consumer complaint received 2018-03-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Thaxton Investment Corporation (SC)

I was a victim of identity theft with multiple local loan companies in XXXX SC. My brother took out a personal loan using my social security number but his name, his ID, his work information, and his own personal address. I have contacted this company multiple times. I have offered to provide them with my ID, my proof of residence, and my work history. I was told they would get back to me. This process began in XX/XX/2017 when I first found out and it is still not settled. I want to respect the process however, my wife and I are in the process of buying a house and " we are waiting to hear back '' from a personal loan company is not what a lender wants to hear when they are trying to extend to us a couple hundred thousand dollars but can't because of an account like this. It is clear that my social security and his name are not a match. I need this removed and off my credit report ASAP.
Consumer complaint received 2018-02-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BBVA FINANCIAL CORPORATION (TX)

I had recently filed a complaint about Compass Bank. They were denying me any reimbursement of my personal property that was left in the vehicle after a repossession. They are denying me for the reason that it was not listed in their report. The items were in the consoled of the vehicle and were not out in the open. They can not just donated or discard personal property such as eyeglasses and prescription medication. Those are important and necessary for my everyday life.
Consumer complaint received 2018-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

I filed bankruptcy XX/XX/XXXX and had all debt discharged. I have a person trying to tell me criminal action is being pursued against me for a returned check that was included in the bankruptcy discharge. I notified all creditors that the bankruptcy was filed. This particular person/agency continues to call after 3 years of the bankruptcy being filed and discharged. The latest call was made onXX/XX/XXXX and I was threatened with criminal charges and told contacting my attorney would be pointless that the charges would be filed any way and that I would be recorded as non-compliant in the matter. The person also hung up on me rather than having a discussion. The person/agency never gives a name, just that they are from the Fraudulent Department and leave a call back number.