davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I received a call from a local number on XX/XX/XXXX ( XXXX ) stating they were XXXX XXXX and that I had an affidavit against me and I needed to call XXXX extension XXXX and reference case XXXX. I called the number and the person on the phone ( XXXX XXXX ) did not transfer me but took the case number saying he would transfer me to the correct person. He stated my current address, email, date of birth and social security number in full. He continued to tell me that he was working for a law office ( XXXX XXXX XXXX ) that was just trying to get information on the account to see if it was worth pursuing. He claimed I had a debt from XX/XX/XXXX with Huntington Bank in the amount of {$830.00}. He said that they sent me a letter and that I did not respond. I did not receive a letter because it was at a previous address that I did not reside at the time they sent. He continued to tell me that if I refused to pay that they would sue me for the amount of {$2500.00} for interest and damages. He pressured me into paying a settlement amount of XXXX. He also said they were part of a credit reporting program that would put a freeze on all of my accounts once he entered my information into the system. He did not say that there was any type of legal or court ordered action to do this. I asked for a verification of debt and he put me on hold to send me an email ( from : XXXX ) with an attachment that had a verification of debt that does not seem legitimate. I asked if there was a local office I could talk to someone in person. He told me that he was in California and that their other office was in New York. The address on the verification of debt was for XXXX, TX. I told him that I wasn't refusing to pay but that I needed to seek legal counsel. He said that he would give me 24 hours or that it would be considered a refusal to pay. I told him that I was not refusing to pay again and that I would seek legal counsel. He told me to call him back within 24 hours at a different number ( XXXX ). I could not find any information on the actual law office and the address and lawyer ( XXXX XXXX ) in Texas does not exist. I believe this to be a fraudalent collection and my legal counsel confirmed that I should file a report with the FTC on XX/XX/XXXX.
Consumer complaint received 2018-06-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BYL Collection Services (NY)

I received a negative remark on my credit report stating I had an unpaid collection in the amount of {$53.00}. I contacted the collections company on XX/XX/2018 and discovered the negative item was a fee resulting from what my medical insurance didn't cover for a medical item. I was NEVER billed for amount and contacted the collection company to request that they remove this remark from my credit report as I was never sent a bill for this item. I spoke to XXXX in the consumer payment department and was told that they are " unauthorized to report credit charge offs ''. I requested to speak to a manager and was rudely and abruptly put on hold. She then returned and told me that the manager XXXX was unavailable as she just came into the office and would return my call later that day. She never returned my call.??? I just want to pay this bill and have it REMOVED from my credit report as I was never billed for it!
Consumer complaint received 2023-05-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In XX/XX/XXXX, I paid off the balance on my Bank of America card in an attempt to become debt free.

I was passed in to a Specialist and that person tried to get me to stay and I refused. He then said I see you have another card with $ XX amount on it. We can transfer that balance for you.

I asked him how did he know that and he explained that since I have a card they have access to my report.

Question : is he supposed to use my credit report to cross sell me into maintaining an account that Im trying to close?

I told him to close the account and that I was not interested.

Today,XX/XX/XXXX, I received an email about my account that prompted me to look at the card. When I went online I noticed the account is still open with my same limit!

My wife and I are Military and will be XXXX  soon. We paid off things to clear and restore our credit.

I feel betrayed because I trusted they would do the right thing and its almost 3 months and the limit has been setting on my credit. It is potentially impacting my score
Consumer complaint received 2018-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (CA)

XX/XX/XXXX I mailed collection company certified letters disputing debt and asked to see documents showing that I owe the debt. I received nothing except a bill I sent a second letter XX/XX/XXXX I sent a second letter Based on what The bureau says I should ask regarding debt collection Original furnisher, Contract they own debt etc. 
45 days went by and I received nothing except a bill from them from their client a data furnisher. 
I personally contacted the original company they said that they did not work or deal with debt collectors. And that I was not in a position they could speak to me do to HIPAA This is not proper debt collection or debt validation practices. 
The company also sent me a medical record which was a HIPAA violation My father never signed a release. 

Also my father passed away around that time. I have tried to tell these collection companies this. 
We had the same name. 
I noticed on the bills they had his old addresses on them not mine. I am assuming they did a search and randomly posted addresses to it. 
I can prove this by the attached consumer report from a smaller consumer reporting agency see attached this company ran my name a few times. 
I have not lived in Florida since XXXX My XXXX page can prove that as well. 
Also The medical records sent to me were for someone on life support its quit obvious its a mistake. 
However they have been notified of it and still refuse to remove according to what the law states They have also have had a history of removing and reinserting on my credit report. which is also illegal I should be notified and was never notified i have printed copies of credit reports from past 8 months
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (MI)

This is a complaint for credit card denial dated XX/XX/XXXX. The reference number XXXX for denial. I and discussed my credit history and stated the conclusion could not be correct based on the facts. They denied me for late payment I have not had a late payment since XX/XX/XXXX when I filed bankruptcy form the recession. I have a credit score of over XXXX and income of over {$100000.00}. I told them i would provide my tax return. I have less than {$32000.00} in total debt and {$30000.00} of that is on installment loans with payment of {$1100.00}. I told them the reason i had inquires was to get a business line of credit because my company was expanding and sales has increased over 300 %. So given that information it's not clear how I could be denied.
Consumer complaint received 2023-05-08
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$720.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance $ 724 Monthly payment - Last payment date XX/XX/XXXX Additional Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2018-06-01
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. (LA)

hi, i am very frustrated i have been trying to work with these bureaus to abide by the law but the refused to, The are reporting unverified & inaccurate accounts on consumers profile and leaving it there after consumers asked them for an investigation, the refuse to send me a the documents used to verify two accounts that i am not aware of.i sent my letters via certified mail its been almost 3 months i HAVE been ignored .I dispute two accounts that are reporting on my credit profile with the same company. THE LAW STATES THAT THE BUREAUS MUST REPORT TRUE BUT THEY ARE ALLOWING COMPANIES TO RUIN MY CREDITWORTHNIESS AND REFUSE TO INVESTIGATE TO DO THE RIGHT THING.

1 ) XXXX XXXX XXXX XXXX-I explained this was for a apartment complex i stayed in, i payed {$2000.00} to get out of my contract early because my mom had a XXXX so i moved in to help her, the manager told me it was fine long as i paid the {$2000.00} i could terminate the contract early after paying the fee i was allowed to move, months later without any word are notice from this company i looked at my report and found a collections .I wrote them via certify mail asking them how do i owe this debt they never replied, than i sent the bureaus a letter about this account because i dont owe this debt asking them to verify and they havent responded either.

I called the apartment complex and i spoke with An employee who explained to me the manager was no longer there because she had stolen several clients money & ran off, therefore my $ was stolen apparently by the manager the company didnt do a back round check on and hired .How am i responsible for this .this isnt fair the lady explained that the apartment complex is trying to build a case on her and that i wasnt the only one she had did this too .she instructed me to reach out to the bureaus because i dont owe this debt this isnt right for me to pay for the mistake of the apartment failure to higher decent people and do background checks because the lady told me that after researching her they found she had did this before at another apartment complex 2 ) XXXX XXXX XXXX XXXX- i have no clue what this 2nd account is with the same company theyre reporting the original creditor and the collection agency nor the bureaus responded
Consumer complaint received 2018-07-13
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: AFNI INC. (MI)

AFNI has reaged my debt. It should be from XX/XX/XXXX and no longer on my report. They are reporting it new as of XX/XX/XXXX. I have disputed this with the credit bureaus and attempted to resolve with the creditor and they will not work with me.
Consumer complaint received 2018-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: LD Holdings Group, LLC (VA)

I was late on an account from XX/XX/XXXX to XX/XX/XXXX with LoanDepot. I subsequently made the three missed payments and have been up to date and current since then. However, I received a collections letter from XXXX XXXX XXXX XXXX with the amount for the LoanDepot loan on or around XX/XX/XXXX. XXXX XXXX XXXX XXXX has reported this as a collection account on my credit report. I have spoken to them several times, On XX/XX/XXXX, XXXX and XX/XX/XXXX. They advised me that they own the account but to keep making payments to LoanDepot. I spoke with LoanDepot on XX/XX/XXXX and XX/XX/XXXX. They advised me that they own the account and did not know who XXXX XXXX XXXX XXXX was. I never received an opportunity to validate this debt with XXXX XXXX XXXX XXXX. They refused to provide me a copy of the original validation letter on XX/XX/XXXX. I have disputed this account with all three credit bureau 's but they did not remove this account. Attached is proof i have been making payments to LoanDepot and not XXXX XXXX XXXX , XXXX. LoanDepot did move to a new computer system in late XXXX, I am not sure if this affected my loan and caused errors, it is very disturbing.
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (FL)

I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$3200.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.
Consumer complaint received 2018-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I have " opted out '' of all overdraft options offered for ATM charges, Checks, and any withdrawal of any kind that will overdraft my checking account to prevent overdraft fees. 
Yet Citizens Bank continues to process individual ATM transactions and Debit charges which overdraft my account, and incur fees. This complaint involves {$120.00} in overdraft fees, of which the bank refused to refund {$60.00} for a situation they caused by not following their own checking account clearing protocols which incurred the {$120.00} in unauthorized overdraft fees which started XX/XX/XXXX and which they waited until XX/XX/XXXX to issue a US Postal Service Notice of, which I received XX/XX/XXXX, due to XXXX XXXX  Holiday, all the while incurring additional overdraft fees, {$60.00} of which they refuse to refund, despite admitting it was their mistake. 

XX/XX/XXXX Fee Rebate Fee Rebate {$30.00} - {$170.00} XX/XX/XXXX Fee Rebate Fee Rebate {$35.00} - {$200.00} XX/XX/XXXX Service Charge Sustained Od - {$30.00} - {$230.00} XX/XX/XXXX Service Charge Sustained Od - {$30.00} - {$200.00} XX/XX/XXXX Service Charge Sustained Od - {$30.00} - {$170.00} XX/XX/XXXX Fee Overdraft ( 1 At {$35.00} ) |eNotice - {$35.00} - {$140.00} XX/XX/XXXXDebit ( Unauthorized Overdraft ) XXXX   XXXX Online Pmt - {$80.00} - {$110.00} XX/XX/XXXX DBT Purchase ( Unauthorized Overdraft ) XXXX XXXX XXXX Oh XXXX - {$45.00} - {$34.00} XX/XX/XXXX ATM Cash ( Positive Balance ) XXXX XXXX XXXX Oh XXXX - {$40.00} {$10.00}
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MA)

In XXXX I owed XXXX to XXXX XXXX XXXX, XXXX  then sold my debt to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX mass XXXX phone number XXXX. on XX/XX/XXXX I made a full payment of what I owed, this payment was made directly to XXXX as seen on documents attached. Once I made this payment I called credit collections services to update my account as paid so this would no longer show up on my credit report, I was told I had to send in proof from XXXX that this payment was made, I contacted XXXX to have them fax over the proof to XXXX this number was given to me by credit collections services. XXXX faxed over the paperwork, weeks go by, but this debit was still showing Up on my credit report, I called credit collections services, they claimed the fax was never sent, I called XXXX again and repeated the process, this whole process of calling credit collections services and XXXX was and has been repeated a total of 8 times now, from XXXX till now, this debt it still on my credit report, credit collections services are still claiming they have not received not one fax, they have claimed to reach out to XXXX   but claim XXXX has not responded. I have faxed over the paperwork myself but credit collections services claim they have not received anything from me. I have disputed this debit on credit karma and they denied my dispute because credit collections services are claiming I have not paid this debit. I have asked credit collections services to call XXXX them-self but they have not done so. I dont know what else to do to get this off my credit report. Credit collections services has also told me that even once they receive proof of payment made they will not back date to when they payment was made, which means it will show up on my credit report that I owed and did not pay off this debit for over a year even though it was only 6 months. I dont know what else to do.
Consumer complaint received 2018-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

Submitted dispute # XXXX with Experian to correct date of birth. Was informed dispute was completed, and results available on Experians website, my account. When I accessed my account, was informed results were not available online, and to call a phone number for results. Calling that phone number, I was told to check online. Run-around!
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (OH)

Have had a XXXX XXXX account with XXXX XXXX for over 5 years. Was only 30 days late one time. Had a credit limit of XXXX originally was {$250.00} and due to good pay history etc have received regular credit line increases. My credit has actually improved in the past 24 months after going through a divorce in XX/XX/XXXX/XX/XX/XXXX. I found out for whatever reason XXXX did a credit review on my account on XX/XX/XXXX and lowered my credit line to {$150.00}! One, why was a review conducted? I have not been late, I did not ask for an increase and I have not purchased lately. Now it made my debt to income ratio closer to 100 %. I do not even understand why they did a credit review. I have other XXXX accounts that are ALL in good standing and I have NEVER missed a payment in almost 5 years. My credit score is actually better than it was when the account was opened. This extreme lowering of my credit line is going to adversely affect my credit score and debt to income ratio!
Consumer complaint received 2018-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prosper Marketplace, Inc. (MA)

- I opened a loan with Prosper in XX/XX/XXXX o Encountered financial hardship Fall XXXX due to rental property sale falling through / loss of tenant income had to remarket the property. 
o I contacted Prosper via phone in XX/XX/XXXX ( while still current ) requesting an extension. The rep advised there were no option available & to call back once the loan went delinquent. 
- Loan charged off XX/XX/XXXX, Prosper sold the loan to XXXX XXXX  XXXX - XX/XX/XXXX I was contacted by XXXX XXXX, on behalf of XXXX XXXX XXXX. We agreed on a settlement, which I fully satisfied by XX/XX/XXXX as agreed - Prosper continues to report my account as Charged Off / Account Sold Transferred on all 3 major credit bureau reports o I disputed through XXXX, XXXX, and XXXX results have come back with no changes to the reporting, despite the fact I paid the account in full via settlement. 
- XX/XX/XXXX I called the creditors XXXX # as listed on my XXXX credit report, explained the situation, thinking I was speaking with XXXX. Agent transferred the call & new agent said I was speaking with XXXX a company Id never heard of. That agent informed me that XXXX sold the loan to XXXX we outsource to a number of companies to assist with collection. I asked, What about XXXX XXXX, XXXX?, to which she replied, Oh, theyre probably one of our affiliates. 

I have satisfied this debt in full, yet Prosper continues to report the account as 'charged off ' to all 3 major credit bureaus - no entity will take responsibility for updating my credit report to reflect the account as paid with no remaining balance.
Consumer complaint received 2018-06-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Was contacted by the XXXX XXXX or what we thought was Ocwen. We were instructed to send XXXX XXXX XXXX  for our modified payments. We were obviously frauded, now a Ocwen wants {$3000.00} before XX/XX/XXXX or foreclosure.