davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Timothy M. Sullivan (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX To Whom It May Concern, The reason for my dispute is HS FINANCIAL GROUP LLC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, HS FINANCIAL GROUP LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) HS FINANCIAL GROUP LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation HS FINANCIAL GROUP LLC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HS FINANCIAL GROUP LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.HS FINANCIAL GROUP LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-04-21
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: AMERICAN EXPRESS COMPANY (RI)

I have attempted and exhausted countless efforts to resolve this matter both directly with the hotel ( in XXXX XXXX AND with American Express, the credit card company who processed the {$2600.00} charge on XX/XX/2020. Both are refusing to refund any of the funds. American Express simply says, I am providing insufficient evidence for the refund and places no weight into my primary allegation that the hotel mislead me ( bait and switched ) into a reservation that was no where near what it was advertised. For the record, immediately after making the reservation, online, I contacted the hotel who said they would cancel the reservation ( copy of email if needed ). However, after receiving my American Express statement, I noticed the charge had not been reversed. When I contacted the hotel, they said the reservation was 100 % non-refundable, despite the false advertising!!?? I tired to dispute the charge with American Express, but no success there either.
Consumer complaint received 2020-04-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Advantage Financial Services, LLC (MS)

I called Advantage Financial in XXXX Ms , to see if I could just pay interest o my loan due the Covid Virus my hours have been cut on Monday XX/XX/2020. The manager told me they can not do it, they do it in Louisiana but not in their Mississippi offices, that they are watching to see if it gets bad enough here to do it in Mississippi! I dont understand how you can do it in one state and not another, the Covid Virus is bad all over. All my other financial companies, worked with me. This company really has no comparison to help their clients, I am NEVER going to use them again. I hope you can let them know, they are very unprofessional and uncaring!
Consumer complaint received 2020-04-21
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. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$120.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$180.00} XXXX XXXX   XXXX {$230.00} XXXX  XXXX {$140.00} XXXX  XXXX {$110.00}
Consumer complaint received 2020-04-19
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

Good afternoon, thank you for your continued service. I hereby declare all damages after XXXX-now to be transferred and fully unassociate from my social and my records. I have concluded my reporting to the fbi and XXXX XXXX pd case XXXX. XXXX XXXX, XXXX, XXXX, and XXXX damages remain. I should be debt free, 750+ all credit scores with perfect bill payer history. I need a new ssn, drivers license #, need to move out of ca under a po box for our safety, I will provide a private settlement amount. The XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX was used as the reason for the suspects to XXXX  my family and I. XXXX XXXX Account # XXXX and any association to XXXX under my ssn is XXXX  XXXX XXXX XXXX, XXXX Was created by XXXX XXXX XXXX assist with scams and XXXX  child adoption and more XXXX  on innocent. 
XXXX account # : XXXX XXXX : XXXX XXXX  XXXX XXXX, pa XXXX fully controlled and used for XXXX leverage and XXXX same with XXXX suspects claimed responsibility XXXX : XXXX I expect all damages to disappear and to be restored fully. XXXX medical records XXXX is invalid, it's only evidence of a XXXX report, I have no known health issues. 

Thank you for your continued service, XXXX bless America, Remember our freedom XXXX ( no longer XXXX ) Ssn XXXX XXXX See ftc Federal trade commission and court cries for help immediate separation and settlement XXXX XXXX
Consumer complaint received 2020-04-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (CO)

I filed a complaint against medicredit. They answered my claim but did not send me any proof of verification. Once again I am requesting that you validate the debt. Im asking for you to provide me with what I asked for initially. They also never sent proof that I could as for debt verification.
Consumer complaint received 2020-04-20
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Franklin Collection Service, Inc. (GA)

XX/XX/XXXX2019, this company contacted a third party before I ever received any communication from them. Received a letter from them dated XX/XX/XXXX19. I responded to them on XX/XX/XXXX19 through written communication. Explained my dispute on the collection and requested that I be exonerated of all charges. I never received any other communication from them. I noticed on my credit report that there was a report for the same account from another collection agency. Until I disputed it through XXXX  XXXX  in XXXX, I hadn't had any communication with this company. After they received the dispute is when I received my first letter from them. So, the first company sold my account to the next collection company. I responded to them also, and also went back on the first company regarding them selling my account. No response from either company.
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

other accounts could not fit in the FTC complaint XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX  Status Open Opened Date XXXX   XXXX, XXXX Closed Date -- Responsibility Individual Account. Balance {$35.00} High Balance {$35.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. Balance {$270.00} High Balance {$270.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. Balance {$230.00} High Balance {$230.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Hippa violatons and FRCA violations
Consumer complaint received 2020-04-20
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. (OH)

While reviewing my credit report I see XXXX XXXX listed but it has been paid off. I have attached the receipt. 

I have the following hard inquiries on my report that were not authorized : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX,
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

other accounts could not fit in the FTC complaint XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Status Open Opened Date XXXX   XXXX, XXXX Closed Date -- Responsibility Individual Account. 
Balance {$35.00} High Balance {$35.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$270.00} High Balance {$270.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$230.00} High Balance {$230.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Hippa violatons and FRCA violations
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

other accounts could not fit in the FTC complaint XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XXXX  XXXX, XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XXXX   XXXX, XXXX Closed Date -- Responsibility Individual Account. 
Balance {$35.00} High Balance {$35.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$270.00} High Balance {$270.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX  XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$230.00} High Balance {$230.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Hippa violatons and FRCA violations
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX To whom it may concern, I was looking at my credit report and I just realized that there are a ton of errors. I have notice that addresses have been showing up that I never lived at. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX OLD XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I pulled my credit report on XX/XX/19, upon review I was informed that there is an account with XXXX XXXX XXXX under account # XXXX that is being reported incorrectly on all three credit bureau files. I sent XXXX XXXX XXXX a request to produce documents proving that this was in fact my account. An individual by the name of XXXX XXXX signed for the certified letter on XX/XX/19. I still have received no response from XXXX XXXX XXXX as of today. I followed up by sending a request to all three credit bureaus on XX/XX/19 to have this item removed, as it is being falsely reported in violation of Section 609 of the FCRA. They refuse to remove it, even after being informed that it is being reported inaccurately and falsely. I will be attaching copies of all of my correspondence with both XXXX XXXX XXXX and the credit bureaus.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a recent victim of fraud through Bank of America. Withdrawals took place using my information from my Bank of America XXXX debit card at XXXX XXXX ATM 's. I spoke with XXXX XXXX, and the representative informed me that they do allow more than XXXX withdrawals made at once from their ATM 's. The copy of my bank statement shows two withdrawals done on XX/XX/XXXX & XX/XX/XXXX in the amount of XXXX, and on XX/XX/XXXX, a balance inquiry of {$1.00} & XXXX made. The date and location for the withdrawals done on XXXX ; XXXX ; XX/XX/XXXX were at the following XXXX XXXX XXXX XXXX XXXX and XXXX and a balance inquiry at XXXX XXXX XXXX XXXX XXXX XXXX The thieves made a balance inquiry first to check if money was available in my account before they went on with making the more massive withdrawals. I filed a report with the police department in XXXX, where I reside and a claim with Bank of America on XX/XX/XXXX the day the fraud occurred and I became aware of the activity. 

I received a letter from Bank of America stating the following : Dated XX/XX/XXXX ; Claim # XXXX ; Amount : {$2100.00} ; Account ending in XXXX " We've completed our review of the above reference claim and have determined that no error has occurred in this instance. We now considered your claim resolved ''. 

I consider this unacceptable, and Bank of America should be refunding my money back to me. I contacted the XXXX police department, and they said they have seen a large number of similar situations like mine happening to customers of Bank of America. I believe Bank of America is responsible for refunding my money back for allowing unlawful access of my ATM card to the thieves who committed this XXXX. I would like to file a complaint on Bank of America for unlawful access to my card. 

I have not given out my card to anyone, and I am the only person that knows my PIN for this card. The card has been under my possession and I have not left my home, except for essential food shopping, due to our current stay at home order from the State of California. 

The XXXX of XXXX Police Report number is Incident # XXXX
Consumer complaint received 2020-04-21
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I was supposed to receive interest on my account until XX/XX/20. Wells Fargo is telling me that I don't get interest on the last day of the expiration date. On my statement It says the interest rate expires on XX/XX/20 but they are telling me I don't get interest on XX/XX/20. So they will only pay me up until the XX/XX/20.
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Credit card Date Opened XX/XX/XXXX {$8000.00}. 
XXXX  XXXX XXXX {$6000.00} Date opened XX/XX/XXXX XXXX XXXX  Date opened XX/XX/XXXX {$810.00} XXXX XXXX {$2700.00} Opened XXXX, XXXX XXXX
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have disputed these accounts, filed a police report, and submitted a FTC complaint. I recently attempted to get cable last month and was denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 11 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XXXX XXXX  XX/XX/XXXX {$400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XX/XX/XXXX {$220.00} XXXX XXXX XXXX XX/XX/XXXX {$4500.00} XXXX XXXX XXXX XX/XX/XXXX {$6100.00} XXXX XX/XX/XXXX {$610.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXX  XX/XX/XXXX {$120.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.
Consumer complaint received 2020-04-19
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (FL)

Someone stole my sons shell card number There were numerous unauthorized charges on my statement. When I called and reported the person I spoke to said that it was being reported and closed my account and upgraded me. After no resolutions I called back as well as emailed and was told my card was closed as an upgrade and not as a security measure. The charges have been deemed fraudulent however they can not credit the account because it has been closed. They did however move those charges to the new card but no one seems to be able to figure out how to credit me. The balance left on this account is equivalent to the fraudulent charges and 2 months interest. I reported this back on XX/XX/2020. The amount is XXXX. I am stressed about this matter as I always pay my card in full. I have spoken to numerous representatives on this matter with each promising a resolution. Please help
Consumer complaint received 2020-04-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (AZ)

On XX/XX/2020 CommonWealth Financial has flagged my XXXX  account as Collection. CommonWealth Financial has alert XXXX  that I, XXXX XXXX XXXX owe them a balance of {$65.00}. And again 0n XX/XX/2020 CommonWealth Financial alerted XXXX  account of a balance of {$1300.00}. On XX/XX/2020 Commonwealth Financial flagged my XXXX  account with the negative reporting with the same above balance. I went into investigating how did this collection agency or CommonWealth financial in this matter received my information from, and I found out that the original debtor is XXXX XXXX XXXX. I did looked into the doctor offices visits and any XXXX  XXXX I received in XXXX  and I have never been to this medical office in the past or received any XXXX XXXX at this location. Also I did not received any letters or emails from Commonwealth Financial regarding a dept that I owe, or try to reach out to me to resolve the debt issue. I have attached a copy of my report with the accounts in question circled. This false reporting has had impacted my credit score and credit report so negatively that my score went from XXXX credit score to XXXX and continue to decrease ever since. I believe that there is incorrect information that I would like to remove from my experian credit account and would like to restore my credit report and score back to normal. 

there is incorrect information on your credit report that you want corrected or removed.
Consumer complaint received 2020-04-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TN)

My loan was transferred to this company on XX/XX/XXXX from XXXX. I reached out to PHH Mortgage to inquire about not receiving any statements and to get my loan number so I can began making payments online. I receive a letter on XX/XX/XXXX advising me my loan was over into a forbearance program. I never inquired or agreed to place my loan into a forbearance program. I received a notification from the credit agency advising me that a note was placed on my account facing financial difficulties this is inaccurate and falsifying records. I never requested an forbearance on my home loan. I contacted the manager at PHH Mortgage Services on XX/XX/XXXX and he advised that on Monday XX/XX/XXXX I will be able to begin making payments and that the remark will be removed from the credit report.. On Tuesday, I tried to make a payment again and the system is stating my loan is in forbearance and I am unable to make a payment at this time. I have tried reaching out to this company several times and someone keep hanging up in my face and will not transfer me to an account manager. I am devastated that I will lose my home. This company is giving me the run around regarding making payments for my home.