davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (FL)

In XX/XX/XXXX, I opened an account with XXXX XXXX. A month after opening the account I received my first bill. The amount billed was almost double to the agreed price when service was established. I called XXXX to dispute and we agreed to close the account. I paid the remaining balance and sent the equipment in. In XX/XX/XXXX I learned of an account in collections that I was unaware of. The account holder is Debt Recovery Solutions with a collection amount of {$2400.00}. I contacted them at the time to verify the debt which is when I learned it was a XXXX account. I then reviewed my credit report and found that XXXX is also reporting an open collection for the same amount. I have over the last several months contacted XXXX to not find any resolution. XXXX is telling me that they have no record of the account and all liabilities and accounts were sold to XXXX XXXX. I was directed to them, XXXX has provided me in writing that they have no record of the debt. 

My complaint is how can two companies report the same debt? Furthermore why are they reporting it given that they can not provide any information about the validity of the debt? Debt Recovery Solutions has claimed they have proof, which I would still dispute, and which they have not provided me. XXXX, XXXX XXXX and Debt Recovery Solutions have failed to prove a valid debt and has violated the law with the dual reporting. The only thing I have received from my inquires was increased calls and letters from Debt Recovery Solutions.
Consumer complaint received 2017-07-23
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. (CT)

Dear, XXXX hospital, debt collector and credit agencies ruin my credit record/financial record. I had a deductible health insurance in XXXX. We have XXXX kids and their primary doctors were from XXXX hospital. We never had issues in 9 years with them, all bill were paid and no obligatory record yet. In XXXX, we had couple emergency visits in XXXX XXXX XXXX and a few doctors follow up in XXXX. I had a total of {$2600.00} deductible/year. Out of that I paid {$1300.00} for my portion and {$1300.00} left in total for family. My son was recommended some therapies in XXXX hospital. The XXXX XXXX hospital used wrong medical code for billing and sent me tons of bills. I had contacted XXXX in their billing department several times and other later on. None of their people helped me. Then I reached to my insurance facilitator XXXX XXXX and that was finally resolved. Later on the primary health care unit of XXXX acquired by CT XXXX hospital. Then our nightmare starts. Newer management start to send several bills without processing through insurance company. I called several times but never worked to my case. I made some payments worrying about bad. At the end of XX/XX/XXXX, I got mails and calls from another fraudulent debt collector XXXX XXXX XXXX, XXXX, CT to collect a {$750.00} & {$120.00} bills. I told them, the insurance records shows that amounts were paid out and asked them to find the reality and send me the final bill if I still owe. They did not do that. At the same time, I reached XXXX XXXX, a broker agency to XXXX who have similar unprofessional XXXX. They changed words and fake report several times. All these agencies put me in trouble and I did not know what was going on. At the begin of XXXX, the debt collector reported my debt to credit bureaus. Then, I called debt collector, hospital and sterling benefits why they did that. The XXXX XXXX told me they paid bill in my daughter instead of my sons account. I already cleared my daughter bills but, the children hospital, CT took money from me and insurance. The XXXX  XXXX Hospital overpaid {$340.00} for XX/XX/XXXXand still tried to collect from me. I paid out the due in my son 's account per their final work. The hospital assured me to send the overpaid money back and correct the credit report. Both things never happen yet. I filed complain in Better Business Bureau, The XXXX & Transunion both show the records deleted from record however, my credit score is veered off and collection record is still there. I never got the money from the XXXX hospital that I overpaid, the XXXX hospital still trying to still me and the hospital along with XXXX XXXX XXXX ( debt collector ) destroys my credit record. It is a big fraud. I am a hardworking of XXXX little children and this fraud destroys family.
Consumer complaint received 2017-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (MN)

On XXXX XXXX, 2017 I applied for a credit card through Wells Fargo. My application decision was initially delayed. I eventually received a credit decision by calling the automated application status line and was approved. This decision was made within 48 hours of my application.
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On XXXX XXXX, I noticed through Wells Fargo 's online portal that my new credit account had been closed without prior notification. On XXXX XXXX, I sent a message through the online portal inquiring why my account was marked as closed and was told to call and speak in person with a representative.
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On XXXX XXXX, I called and spoke with one customer service representative to learn more about the situation. Through this interaction, I learned that Wells Fargo 's " executive fraud department '' had flagged my account and closed it. I was then told to wait for a letter in the mail detailing the reason for this closure.
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On XXXX XXXX, I called Wells Fargo again to inquire more about the situation and see how it would be reported to the credit bureaus. I was told that if I still wanted the credit account, I would need to fully apply again. I was also told that this account would still be reported to the credit bureaus as opened for one month, despite the fact that I never used the account and had never even received the card for the account.
Consumer complaint received 2017-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

I own a small XXXX XXXX XXXX. I have a Citi Visa Costco business card. Costco used to have Amex then the moved my account to Citi Visa. After Citi took over the account did not follow through exact terms as Amex. Right away Citi lowered my credit limit and made huge amount due immediately. <P/> In fact,  without my permission they withdrew an amount of {$21000.00} which caused me huge struggle for pay realtor commissions, employee salaries and other bills. I keep calling Citi then after couple weeks later they refund me the money. I set an amount of {$2500.00} to be withdraw every month automatically from my account so that it covers my minimum monthly payment plus little toward principal so that they wont withdraw entire amount due. Then again without my permission they withdrew {$17000.00} and put me in very stressful financial burden. I have been keep calling and after 3 weeks they refund me the money. I finally had to stop the automatic withdraw.
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I sold a land during this time and had an amount of {$10000.00} and I offered Citi to settle my account. When I proposed this in XXXX 2017 from that month on Citi without my permission raised my interest rate from 12 % to 25 % without any written consent or warning. I am trying to get help with my debt situation instead Citi making it harder to pay off my debt by raising interest rate and not wanting to settle. I have been calling every month since XXXX 2017 for a settlement offer but they keep denying it and raising my interest rate causing my balance to go up even more and more every month.
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I need help immediate and have citi offer me a fair settlement and stop doing predatory lending raising interest rate more than double without any warning or written consent.
Consumer complaint received 2017-07-12
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. (ME)

On XX/XX/XXXX I was flagged on XXXX XXXX that I tried opening an XXXX card through XXXX. I had not done this. So I immediately called XXXX and explained the situation. They said it was denied and they would send it to their fraud department. My next error was thinking that maybe someone transposed a couple numbers and I shrugged it off. After all they said they would send it to their fraud Dept. On XX/XX/XXXX the same thing happened. So I again immediately called XXXX. They told me the same things as the first time. I said why is the first hard inquiry still on my credit. I was told it could take 90 days for it to be removed and they had sent the first request to the credit bureaus. So my next step was contacting TransUnion. They told me that it does not take 90 days, that it would only take 5 or 6 days once the request was received, however they had never gotten a request. Now at this point I was steaming. The gentleman at TransUnion told me to call back XXXX and ask them to send me a letter requesting it be removed. He gave me a fax where I could send it to have the hard inquiries removed. I called XXXX and demanded they send the letter to me. After some hemming and hawing the woman agreed. Said I would get it within 7 days. What I got was " NOT '' the request to remove it. So I again called XXXX and told them I wanted the letter that they said they would normally send to the credit bureaus sent to me. She did n't want to do this, so I got very abrupt and told her I demanded they do this because it was bringing my credit scores down. She finally agreed and said I would get it within 7 days. It 's now been two and a half weeks and no letter has come. I am so angry because my TransUnion score just went down again because now the second hard inquiry is there. Please someone help me with this. I have put a freeze on all three credit bureaus but I should not have to deal with this nonsense. XXXX is in no way concerned about this and it 's fraud.
Consumer complaint received 2017-07-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

On   XX/XX/XXXX  I  sent a debt verification letter to Portfolio Recovery. They sent me some old computer generated statements which did n't cover everything I requested. Afterwards I disputed this debt with the  XXXX  credit bureaus and I noticed that Portfolio Recovery deliberately tried to  re age  the debt by reporting that I made a {$44.00} payment in the same month of  XXXX . In  XXXX     2017  my credit report shows a balance of {$2100.00} then  XXXX  shows {$2000.00}. I have never paid this company anything and refused to because they failed to validate this debt. The partial account number for this account is  XXXX  and it shows for    XXXX   XXXX   XXXX   XXXX  .
Consumer complaint received 2017-07-12
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: JPMORGAN CHASE & CO. (ME)

On XX/XX/17 I was flagged on XXXX XXXX that I tried opening an Amazon card through Chase. I had not done this. So I immediately called Chase and explained the situation. They said it was denied and they would send it to their fraud department. My next error was thinking that maybe someone transposed a couple numbers and I shrugged it off. After all they said they would send it to their fraud Dept. On XX/XX/17 the same thing happened. So I again immediately called Chase. They told me the same things as the first time. I said why is the first hard inquiry still on my credit. I was told it could take 90 days for it to be removed and they had sent the first request to the credit bureaus. So my next step was contacting XXXX. They told me that it does not take 90 days, that it would only take 5 or 6 days once the request was received, however they had never gotten a request. Now at this point I was steaming. The gentleman at XXXX told me to call back Chase and ask them to send me a letter requesting it be removed. He gave me a fax where I could send it to have the hard inquiries removed. I called Chase and demanded they send the letter to me. After some hemming and hawing the woman agreed. Said I would get it within 7 days. What I got was " NOT '' the request to remove it. So I again called Chase and told them I wanted the letter that they said they would normally send to the credit bureaus sent to me. She did n't want to do this, so I got very abrupt and told her I demanded they do this because it was bringing my credit scores down. She finally agreed and said I would get it within 7 days. It 's now been two and a half weeks and no letter has come. I am so angry because my XXXX  score just went down again because now the second hard inquiry is there. Please someone help me with this. I have put a freeze on all three credit bureaus but I should not have to deal with this nonsense. Chase is in no way concerned about this and it 's fraud.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (CA)

I 've challenged and disputed this numerous times with no progress - so I 've pretty much exhausted my efforts at this point. This is regarding my Private Loan with Navient, account numbers as followed : XXXX ... XXXX ... XXXX ... XXXX ... <P/>The following account numbers are reflecting/reporting inaccurately and contain erroneous late payments on my credit report and are detrimentally hurting me financially as I am not able to purchase a home for my family. I 've sent numerous letters to Navient with no response. <P/>The late payments dated : XX/XX/XXXX ' - 60 days late XX/XX/XXXX ' - 90 days late XX/XX/XXXX ' - 120 days late XX/XX/XXXX ' - 150 days late XX/XX/XXXX ' - 180 days late XX/XX/XXXX ' - 60 days late During the end of XXXX, I lost my job and called Navient and attempted in good faith to delay my obligations while being unemployed - Navent went onto qualifying me for 'forbearance ' and required that I pay {$150.00} 3 times to put my forbearance into action, which I paid. Later this year, upon pulling my credit reports I noticed that the late payments were reported during forbearance and are reflecting erroneously and inaccurately. <P/>I reached out to the bureaus and they came back saying it 's accurate. <P/>Now the problem is that these late payments do not have 30 days late reporting precedent to the 60 day lates, which is completely inaccurate if the case was that I was late and it was reported correctly. This is totally absurd and not correct!
Consumer complaint received 2017-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I logged onto the Capital One website on XX/XX/XXXX to make a payment because I knew a payment was due, but I had lost my statement. I knew it was due the XXXX or XXXX. Once on the website, I set-up the payment for XX/XX/XXXX as it was XXXX XXXX on XX/XX/XXXX. I received an email confirming that the payment was set-up for XX/XX/XXXX. The next email I received was on XX/XX/XXXX to inform me that the payment processed on XX/XX/XXXX. However, today I received an email from Capital One that stated the following : " Your payment is past due -- please make at least your minimum payment today.
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About your account ending in XXXX XXXX, It looks like you may still owe the minimum payment due on your account as of XXXX XXXX. ET on XX/XX/XXXX. Your card transactions may be declined if your account is n't current.
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If you 've made a payment that meets your minimum amount due, you 're all set. Otherwise, you can make a payment online or pay directly from your Capital One Mobile app.
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Thanks for being a Capital One customer. '' This email came to me after I received an email that the payment had processed and the transaction section on the website showed that the payment processed on XX/XX/XXXX. In addition, a late fee was added after I scheduled a payment as there was no late fee on my statement when I logged onto the website & paid the bill on XX/XX/XXXX at XXXX XXXX. I would have simply added it to the the amount due. This evening when I logged onto the chat service, I chatted with two individuals XXXX & XXXX, in that order. Neither of these representatives would answer a single question. They attempted to transfer me to other departments to avoid answering my questions, XXXX informed me that my account had been restricted. I would not be able to use the card in order for Capital One to investigate the matter. It was presented in a way that made me feel the company needed to buy so time to figure how to deal with me as I had informed them I would be filing a complaint. I have all the emails related to this matter saved, included in those emails the dates and times, should they be needed.
Consumer complaint received 2017-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capstone Credit & Collection, LLC. (NY)

This company : CAPSTONE CREDIT & COLLEC XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX The debt collector in charge of my account has used profane language, misrepresented the amount of debt owed, provided false and misleading credit information to the credit bureaus, has never sent a bill to me, wo n't discuss the bill amount to me without being verbally abusive. I found out about the debt two days ago when I realized it showed up on my credit report. This company has many bad reviews and complaint to the BBB. The date of this debt is XXXX XXXX,2017. When first contacted by the person months back I explained to him that the debt does n't belong to me. I directed him to the correct person and never heard from him again. But, I noticed the statement on my credit report two days ago.
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: On-Site Manager, Inc. (GA)

I applied for an apartment in XXXX on XX/XX/XXXX, about couple hours later I was emailed a copy of a Rental Report. In the report it reads, a rental company filed evictions against me three different times. The first one was on XX/XX/XXXX then XX/XX/XXXX and the last one on XX/XX/XXXX for an address I NEVER LIVED AT. With that information I was declined for the apartment.
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had a My rtgage with XXXX XXXX that foreclosed in 2009, it was supposed to be removed from my cr fit reports last year, but regardless of opening complaints with all three credit bureaus it 's still showing
Consumer complaint received 2017-07-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (NY)

XXXX XXXX ( now a part of Huntington bank ) is still contacting me as of XX/XX/XXXX. The balance was paid in full on XX/XX/XXXX. The transaction posted to my account on the following business day ( Please refer to the XXXX XXXX XXXX  statement attached ). I 've also written several stamped letters and sent three certified documents. XXXX XXXX ( Now part of Huntington National Bank ) continued to call me to collect a debt even after I submitted proof of payment on numerous occasions. XXXX XXXX took it a step further and closed/charged off the account/reported me to the Credit Reporting Agencies and continued to call me even after the payment was received which is against The Federal Trade Commission ( FTC ), Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect a debt. 

One small transaction shouldnt lead to multiple {$35.00} fees. The original transaction was only XXXX and there was money in the account at the time of purchase. I was never alerted about the overdraft charges and the account continued to show a positive balance for weeks. XXXX XXXX deceptively waited to draft the money from my account at a later date which resulted in overdraft fees. 

We had completely forgotten about the XXXX because we rarely used the account. I had spoken with several individuals at the branch and over the phone to make a payment before XXXX XXXX illegally closed/charged off my account. By law, If I send you a letter stating that I dont owe any or all of the money, or asking for verification of the debt, you must stop contacting me. I 've sent numerous letters within 30 days after receiving each notice and the original receipt of payment to each department but XXXX XXXX ( Now part of Huntington National Bank ) continues to call/write me about an a debt that does n't exist )
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XXXX XXXX, 2017 Experian received notice ( see attached certified mail/return receipt ) for document copies from their files regarding inaccurate items in my credit files ; pursuant to FCRA, 15 U.S.C. Subsection 168 1g. It has now been more than 90 days. Not all items have been removed pursuant to the law nor have I received any supporting documentation.