davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (CA)

my son required an XXXX XXXX and my insurance was contracted with XXXX XXXX for this service. after having the machine for a few months my son no linger needed the machine and I called apria to come and pick up the machine, ( waited nearly XXXX mins for to speak to a rep ). They never showed up to pick up the machine. Called again a few times over the next few weeks waited on hold for over an hour to request for someone to pick up the machine. Finally about a month later I was able to sit on the phone and wait to get through to schedule a pick up. I then received a bill for aprox {$83.00} and I called and waited on hold for another hour or so to speak to someone about my bill. I had requested the machine be pick up last month and no one ever showed up. It is not my fault that they have no one answering the phone to schedule pick ups, i requested that the total be reduced. They would not work with me and extremely frustrated at this point, I ended up just paying the {$83.00} in order to just be done with them. Then a few month later I received a check from them for around XXXX dollars. I was confused but just figured they had done some kind of internal Audit and realized that they had over charged me. Then a couple month after that I received a call from a collection agency requesting the {$50.00} for XXXX XXXX, I called the Collection Agency and discussed this with them and told me that XXXX received the {$50.00} from my insurance and then paid it to me and now I need to pay it back to them? Why are they still collecting money from my insurance and why I am being sent to collections for the this?
Consumer complaint received 2016-05-31
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: National Credit Adjusters, LLC (NM)

Receiving phone calls from the National Credit Adjusters debt collection company. Their number, XXXX has come up on my work phone numerous times and I 've answered but no response on the other end until today at XXXX MST, XXXX/XXXX/2016, I received a call from this number and finally had someone on the other end, XXXX XXXX. He stated that they have called several times and when I told him that I did not recognize the creditor names and could not talk to him because I was at work he threatened to take legal action to collect on XXXX loans from pay day companies I do not recognize. He also stated that he spoke with me a while ago but I do not remember speaking with this company or the names of the loan companies he is collecting on behalf of. I asked him to send me something in writing and he insisted that they already did. I told him I could not speak with him at this time because I was at work and to please mail it again but he just kept repeating that they already mailed it and what was my plan... I hung up on him because he kept insisting and was becoming more agressive.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted TransUnion XXXX and XXXX multiple times to reports multiple inquiries on my accounts are not mine and not authorized. To no positive outcome they keep telling me there is nothing they can do. This issue is deeply affecting my credit and is unfair to me. I would like for these unauthorized inquiries be removed.
Consumer complaint received 2015-08-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC (FL)

Keep getting a call for a person that is not me ( XXXX XXXX XXXX. Says they are a debt collection agency and waiting to collect and the address provided is not even mine. 

Would like to stop getting these calls as they call everyday. I do not owe any debt collection agency nor do I know a XXXX XXXX.
Consumer complaint received 2015-08-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My XXXX account has been paid in full this month on the XXXX 
Last Reported XX/XX/XXXXCreditor Name XXXXAccount Type Charge AccountAccount Status OpenOpened Date XXXXClosed Date -- Limit $ XXXXTerm -- Monthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status CurrentWorst Payment Status CurrentDate of Last Payment XX/XX/XXXXAmount Past Due $ 0Times 30/60/90 Days Late XXXXRemarks --
Consumer complaint received 2016-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (PA)

I submitted a complaint [ Case number : XXXX ] about the fact that I have been enrolled in school for two years and the ACS refuses to acknowledge that, or provide an option so that I can prove I am enrolled. ( Every other lender is able to access the national database, and does not have this problem ). ACS responded by saying I had to contact them. So, I tried calling, and was on hold for over 30 minutes, and I emailed the website simply asking for an email or phone number or fax number where I could send the certificate from the national clearing house that I am enrolled. I called and sent the email on XXXX XXXX, with the only response an auto reply that I would get a response in 48 hours, but I did get a payment taken out of my account again today. ACS is the absolute worst.
Consumer complaint received 2017-02-17
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Bread Financial Holdings, Inc. (SC)

In XXXX I received a notice included in by bill that any purchase in excess of {$500.00} would be interest free for 6 months. I made a purchase of {$740.00}. The company, Comenity continued to charge me interest at their standard amount over the next 6 months even though I was paying the monthly bill and paid what should have been the outstanding balance at the end of the 6 month term. When I questioned it they told me that : my purchase was not during a promotion my purchase did not meet the minimum purchase amount When I went to my online account to pull the XXXX statement, it was mysteriously missing although all the other monthly statements were there. However the XXXX statement included the same promotion.
Consumer complaint received 2016-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (CA)

This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. At this point I am entitled to statutory damages, as they continue to report this information and that is highly damaging to me. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid.
Consumer complaint received 2017-02-17
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (OR)

I received a phone call from XXXX stating they are attempting to collect a debt. They told me I have over {$10000.00} due to XXXX which was from an incident over 5 years ago that I had been told was resolved. The woman on the phone argued that I should check my credit report & then hung up on me. What I can I do to help get these people off my back? I live with chronic illness & the stress from their calls really gets to me & affects my health.
Consumer complaint received 2017-10-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: MISSION FINANCIAL SERVICES CORPORATION (NC)

mission financial sued for the remaining amount on the truck for XXXX then they reported XXXX on the credit report. they are displaying unfair debt practicies by re-aging the debt and changing the amount owed. Everytime I call they give me a different amount but they put XXXX on my credit report. They clearly have violated [ XXXX XXXX ] subsection XXXX ( XXXX ) my mis-representing the amount owed.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Since XX/XX/XXXX I have filed the same complaint XXXX times with TransUnion. In all occasions, the issue is that the " High Balance '' shown appears higher than the " Credit Limit '' shown below it. In each or the complaints, the " Credit Limit '' was shown lower than what it was at the time of the " High Balance '' making it appear as though I over-extended my credit, which was NOT the case. In each incident, the credit limit was later lowered, but never lower than the current high balance. In XX/XX/XXXX, when I reported this issue for the XXXX time, I enclosed the same pages I will be including in this complaint. In this XXXX complaint, the report states that XXXX of the issues were resolved, and XXXX were confirmed. There was no resolution to the first XXXX, and the other XXXX are both from XXXX Bank, and they have NO RECORD OF EITHER OF THESE ACCOUNTS, OR MY S.S. NUMBER. I have no idea how their information is confirmed, particularly with the evidence I enclosed. 
Also ... I noticed on this report a collection for XXXX just re-appeared. This was disputed at every level, and it was confirmed that this collection is not valid. This has JUST appeared this month on my report, between the XXXX and XXXX repeated complaint on the above mentioned issues. Please include this new ( yet, reoccurring ) issue in my complaint. 
Over the past 14 months, I was denied credit multiple times citing this exact reason for their decision. Over the course of that time, this has caused numerous financial issues, the total damages of which continue to grow. 
I believe the pages I am uploading with this complaint are overwhelmingly clear. In EACH occasion, they are the statements from the time of the " High Balance '', and ALL of them are showing a HIGHER " Credit Limit '' than what is reported. This method of reporting the current " Credit Limit '' below the " High Balance '' when the high balance ( In all my cases at least ) occurred when there was a higher credit limit available. 
The enclosed file, " re re redispute '' describes the Exhibits enclosed, and was sent to TransUnion in the XXXX complaint on these issues. 
PLEASE DO NOT INCLUDE EXHIBITS IN THE PUBLICATION OF THIS COMPLAINT.
Consumer complaint received 2017-03-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I paid a settlement to XXXX collection agencies, which has been paid. Was told that after payment is made, that both agencies would contact all XXXX credit bureaus and that the collections would be removed from my credit report. As of XX/XX/2017, these credit agencies are still being shown on my report.
Consumer complaint received 2016-05-31
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I filed a dispute for a charge on my credit card with Bank of America on XXXX XXXX, 2016 for a charge dated XXXX/XXXX/16 for {$280.00} from XXXX XXXX XXXX. I stayed at XXXX XXXX XXXX the previous week but used a different card. I gave this card for charges for " incidentals '' of which there was none. When I checked out, I was not informed of any charge and when I called the hotel, they could not tell me what the charge was for. as of today ( XXXX/XXXX/16 ), Bank of America has not given me temporary credit for the charge, which they are required to do after 10 business days, which was XXXX XXXX, 2016. When I call Bank of America, they tell me that the temporary credit will be given that day, but it never is. I have called on XXXX different occasions. I just want them to comply with the Electronic Funds Transfer Act ( Regulation E ) and give me my temporary credit.
Consumer complaint received 2016-09-30
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Selene Finance LP (GA)

In reference to case # XXXX The information attached, shows that Selene Finance made false statements to the CFPB on page XXXX of their reply labeled XXXX. " At the time of the servicing transfer, the loan was due for the XX/XX/XXXX through XX/XX/XXXX contractual installments and had an unpaid principal balance of XXXX " They also show that Selene falsified information during our refinance XX/XX/XXXX refinance.
Consumer complaint received 2017-03-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (TX)

I received notification of a collection account with Southwest Credit Systems while in the process of applying for a mortgage. The account is showing with a date of XX/XX/2015. I have no knowledge of owing XXXX a balance and had paid them as far as I knew. Upon receiving my dispute letter from them, they responded only with a copy of a bill. This does not constitute as verification of debt.
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (GA)

I requested signed and proven documents from Equifax for the following inquires and they have not provide the information, which is hard copy of the application with my signature showing I applied for credit. Please remove inquires ASAP. 

Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX Dear Equifax Re : Account Name and Number According to the Fair Credit Reporting act ( FCRA ) it is your responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer. 

I request you to show me these companies below met the proper requirements of the FRCA on the dates listed by providing me the hard inquiry. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX If you are not able to do so, please remove this inquiry immediately. I am providing my social security number ( XXXX ) to assist you in making this transaction a little easier and faster. 

Thank you for your time, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

This is the 4th time this year Bank of America has returned payments to bank. I have now been banned by XXXX different Banks from using my Bank of America account for them constantly returning payments. Bank of America has signal handed destroyed my credit with their actions. The other day they returned a deposit to XXXX Bank. Earlier this year they returned a deposit to XXXX. They submitted the return on the wrong account and cause my credit account to be closed. Today Bank of America refunded a {$70.00} payment to XXXX XXXX Bank. When I checked my account on XXXX/XXXX/16 I noticed it was at - {$11.00} with the XXXX XXXX XXXX Bank payments pending. Bank of America purposely sent up their withdraws and deposit purposely to benefit them. XXXX XXXX is set up for automatic withdraw. XXXX of their payments came through on XXXX and post on XXXX XXXX side on XXXX. Bank of America did not even begin to process theses till XXXX although they claimed to me today to do no work on the weekend. When I called Bank of America early XXXX they informed me my transfer from XXXX bank should post today the transfer amount was for {$13.00} this more than covered the difference. This morning I checked my account to see that Bank of America returned my {$70.00} payment to XXXX XXXX. They charged me a {$35.00} NSF fee for the returned payment and then posted my deposit on XXXX. Bank of America refused to return the fee even though their staff were the ones to inform me that the {$13.00} transfer would go through on Monday. If I had known then I could have easily made a deposit in the ATM if the transfer was not going to process. I am located in XXXX were Bank of America is headquartered I could have easily made a deposit at the XXXX of Bank of America locations in the city. Bank of America Deposit and charge policy is so selective their is absolutely no way to be prepared as a Bank member what they may or may not do. XXXX day something is posting and then the next its not.
Consumer complaint received 2017-03-06
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc. (NY)

I have a reverse mortgage that is now all used up. The interest rate I am being charged is supposed to be based on the LIBOR but is, so far as I can tell, higher. When I 've written to the company ( Reverse Mortgage Solutions ) to complain, they say the rate is based on the XXXX XXXX XXXX published rate. But that rate, as I understand it, is, in fact, the LIBOR.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (TX)

I have sent online disputes to all these companies and they continue to report inaccurate information. 

XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX & CO Account XXXX MIDLAND CREDIT MANAGEM Account XXXX XXXX XXXX  Account XXXX XXXX & XXXX Account XXXX.
Consumer complaint received 2016-05-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Consumer Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. Bank Info : Citizens Bank XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX. The bank manager was not available on XXXX/XXXX/2016, the Friday before memorial day weekend for me to discuss a dispute of charges with her. I spoke with licensed banker XXXX ID # XXXX XXXX XXXX and was told that I would not be charged an additional charge until I was able to speak with the manager on Tuesday, XXXX/XXXX/2016. I just spoke with this same banker, XXXX XXXX over the phone today ( XXXX/XXXX/2016 ), and she told me that she spoke with the manager, there was nothing they could do in regards to the charges on my acct and I was now responsible for the ADDITIONAL fee incurred today XXXX/XXXX/2016 which is ridiculous considering it occurred during the time the manager decided to take a TRIP and not available. This is unfair!!!! Details of transaction/fees : XXXX/XXXX/16 Check # XXXX for {$27.00} causing a negative balance of {$24.00}. Service Charge Sustained Od of {$30.00} on XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016. Also, I was not notified of my negative balance while I received these service charges every 5 days, no mail was received. I was blindsided which was why I wished to speak with the manager in the 1st place on the XXXX/XXXX/2016.
Consumer complaint received 2016-04-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MD)

We received a Loan with Seterus INC for the orginal value of {$390000.00}. We were paying PMI of {$300.00}. We refinanced through HARP because we wanted to get lower interest rate and shorter term ( 15 years ) and to be able to cancel the PMI sooner. No appraisal was done and we refinanced through Seterus Inc for the original loan value of {$390000.00}. I requested PMI to automatically terminate as of XXXX XXXX, since our LTV was below XXXX %. They are now saying that because we refinanced through HARP, our PMI does not automatically cancel until XXXX XXXX. We never changed the loan agreement based on the Original Loan value of {$390000.00}. Now, Seterus Inc is asking us to buy an appraisal for {$350.00} to assess the current value of our home. This is fraudulent.
Consumer complaint received 2016-09-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

The debt collector for Capitol One bank ( XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ) filed suit in county I used to live ( XXXX County Minnesota ) in order to receive a summary judgement when I could not show for that court hearing ( I now live XXXX miles away from that court in XXXX County, Minnesota ). They are now using that judgement to file harassing annual garnishment notices with my employer. I say harassing because XXXX are well aware of the fact that my income falls under 'protected income ' status ( XXXX and part time employment WELL under the federal minimum standard of $ XXXX/wk ) and they have no reason to believe that my employment status has, is, or will change to any degree which would allow them to collect this debt, which I 've disputed the amount of from the beginning.
Consumer complaint received 2017-03-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ZIONS BANCORPORATION (TX)

Two transactions were posted after the service was cancelled. I filed a dispute with my bank, but the denied my dispute, stating that they will not be credited because they were unauthorized transactions. This caused {$70.00} NSF fees as well as several {$5.00} daily overdraft fees.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of DEPT OF EDUCATIONXXXX : Account number : XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.