davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

My son hurt my credit .He started to rob me when my wife died in XX/XX/XXXX. I had perfict credit. My wife kept he in check. 
However, when she died he wante every thing from. 
He forced him self into my Home at XXXX XXXX XXXX. 
He forced me out of my own home and now I live at my camp at XXXX XXXX NY for the past 4-5 years now. 
He XXXX XXXX XXXX, the animal we call him lives on XXXX XXXXXXXX in XXXX NY XXXX. Phone is his XXXX XXXX XXXX XXXX. 
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The animal 's name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Make him pay all the bad credit he did to me in XX/XX/XXXX Just a few months after my wife passed and he did so much dammage to me over and over. He is classafied as a XXXX Lirer ... 
The XXXX XXXX XXXX  he opened in XX/XX/XXXX and ows $ about XXXX dollars. I did not do any of this. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX XXXX XXXX XXXX I hope you can get me some help if, you can.
Consumer complaint received 2018-08-06
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 just opened a XXXX XXXX and noticed Derogatory marks from XXXX XXXX  XXXX one on XX/XX/2018 saying I owe them {$1300.00} and another on XX/XX/2018 saying I owe them {$880.00}. I called the company explained to them it was fraud they said they were going to look into it within 30 days should be removed. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like this off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
Consumer complaint received 2018-07-02
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: Bread Financial Holdings, Inc. (TX)

XXXX XXXX DECREASE CREDIT LIMIT BY {$300.00} AFTER REVIEWING INFORMATION FROM XXXX. THE REASON FOR THE DECREASE INCLUDE THE FOLLOWING LISTED *NO USABLE REAL ESTATE ACCOUNTS ( I DONT HAVE TO HAVE A HOME LOAN FOR A CREDIT CARD ). 
*NO BANKCARD ACCOUNTS WITH A VALID CREDIT AMOUNT ( THERE IS A BANKCARD ON FILE WITH A VALID CREDIT AMOUNT ) THE FOLLOWING LISTED SEEM TO BE A DISCRIMINATION AGAINST ME. I HAVE ALWAYS PAID ACCOUNT ON TIME, THERE ARE NO LATES LISTED ON ACCOUNT. I REQUEST TO HAVE THE ORIGINAL LIMIT BACK TO {$500.00}
Consumer complaint received 2018-07-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

TO : Whom it May Concern FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MI XXXX XXXX XXXX, MI XXXX RE : Fraudulent Misconduct by Collections Company XXXX XXXX XXXX XXXX Case # XXXX, XXXX County File # XXXX Plaintiff : Capital One, Case # XXXX XXXX XXXX   XXXX XXXX, MI XXXX ( XXXX ) In Reference to previous CFPB complaint 's # XXXX XXXX & XXXX & XXXX 3rd Complaint! They still can not get it correct! 
The Fraud and Misconduct continues by XXXX XXXX XXXX XXXX, Third ( 3rd )  complaint! This is with regards to information obtained from the XXXX XXXX XXXX resolution dated XX/XX/XXXX. Its been 17 days since the refund check has been mailed. Less than 40 miles between the Law Firm and my current residence. Have NOT received any correspondence from XXXX XXXX XXXX! From looking at the response from XXXX it has an old address even though my current address is in their files. See included 3 letters each showing correct address from XXXX XXXX XXXX and Capital One clearly showing correct current address as was given to both in XX/XX/XXXX. Problem being this, check that issued was supposedly mailed to me on XX/XX/XXXX shows an old address that I have not resided at for almost 2 years! They clearly have my current address! so why is the response addressed to an old address not used for almost 2 years? Why not send it to my current address? Was it really sent? Since so much time has elapsed since moving the USPS does not nor will not continue to forward mail beyond 12 months! Also, I am and have been using USPS Informed Delivery service for the past 18 months and have never received notification that anything from XXXX XXXX XXXX is in the mail to me at my current Address! 
My complaint is that XXXX XXXX XXXX XXXX had knowingly sent the refund check to an invalid address while knowing the correct address as shown on the included 3 documents. Continuation of improper handling of legal matters. If check has been submitted for payment it has not been done so by or for me! That it takes, so far 3 complaints, to get items taken care of that are legally, ethically and morarally correct! 
WHAT DOES IT TAKE FOR A SUPPOSED PROFESSIONAL LAW FIRM/COLLECTION AGENCY TO DO AS THEY SAY THEY WILL AND DO IT CORRECTLY THE FIRST TIME! 
The resolution I would like ( Expect ) to see is the return of the full amount ( {$520.00} ) of the Michigan Income tax refund Garnished to myself AT MY CURRENT ADDRESS ( see above for address ), since this is the resolution expressed by XXXX XXXX XXXX XXXX in the previous complaint in a timely manner. If check has been submitted for payment it was not done by me or in my behalf and request a NEW check be reissued for the amount of {$520.00} USD be mailed to me at : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, MI XXXX in a timely manner.
Consumer complaint received 2018-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capitol One credit card. 
Was a guest at a XXXX for a wedding. My credit card got charged twice for my room. I disputed the charge and Capitol One removed it and had fraud investigate. The hotel claimed I had requested to pay for another guest 's room and refused to sign an authorization. They sent the other guest 's room information and I had never even heard of him. Capitol One put the charge back on my card. I contacted the hotel, who would not return my calls, then filed a complaint with the XXXX. I sent this documentation back to Capitol One and they once again removed the charge and re-opened the investigation. XXXX insisted I offered to pay for this room even though I had already told them I did not and I did not know the person they claim I paid for. At no time did anyone contact this person even though both XXXX and Capitol One had his contact information. Capitol One then put the charge back on my credit card, but they put it on TWICE. Phone calls and faxes have been ignored. No one is returning my calls. I have called the general fraud line and online chatted with customer service. It appears no one is allowed to help me, including taking off one of the charges that was put back on twice. Worst customer service ever.
Consumer complaint received 2018-07-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grant & Weber (CA)

In XX/XX/XXXX I received a collections notice of unpaid balance for {$120.00} to XXXX XXXX XXXX from Collections Company Grant Weber. My research showed I paid this through my HSA account. I called XXXX ( HSA account ) and was provided documentation this was paid. I contacted XXXX XXXX, and they stated they would investigate. I never received any further update until XX/XX/XXXX when I received an alert from XXXX of a credit hit. I reviewed this entry and found it was for this amount and Grant Weber for collections unpaid. I contacted XXXX XXXX again, and was told since the debt was sent to Grant Weber I was not able to talk to them. I escalated this with repeated calls and faxes. While attempting to get to the correct person ( over a period of a few weeks between " early XXXX '' and XX/XX/XXXX, on XX/XX/XXXX I received a check in the mail from XXXX XXXX ( not XXXX ) returning my {$120.00}. I followed this up with more faxes and documentation. On XX/XX/XXXX, I was contacted by XXXX at XXXX XXXX. We reviewed all the details and documents. She was satisfied the check was incorrectly handled on the " XXXX '' side ( should have went as written to XXXX but someone deposited to the hospital ). XXXX stated she would handle Grant Weber collections. I received a letter but they still hadnt removed the credit report. I attmpted to contact them and again requested XXXX to assist. Then I received today still another credit hit ( posting ) from Grant Weber. They do not return phone calls and continue to harass me with credit reports destroying my good credit rating.
Consumer complaint received 2018-07-11
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: EQUIFAX, INC. (NJ)

I dispute items on my credit report with XXXX. 
1. Collection accounts - which i never got letter for example- XXXX - {$840.00} Never been to XXXX, always had medical insurance 2. Late payments- XXXX ( Never prove the late payments, the loan was in deferment ) list five late payments -- I dispute the company 3. Bankruptcy according to the credit bureau- court told them, the law does not allow them to give that information out 4. inquiry
Consumer complaint received 2018-07-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Total Card, Inc. (NV)

XXXX XXXX XXXX XXXX representing XXXX, XXXX is trying to collect on debt not owed. Debt collectors keep sending repeated offers to settle this debt to incorrect addresses and with repeated calls followed by questions about filing taxes and paying off Federal Loans. I am at risk for identity theft.
Consumer complaint received 2018-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion on XX/XX/2018 Report Number # XXXX has on my XXXX XXXX XXXX  Statement # XXXX as {$30.00} Dollars paid when there was {$50.00} paid for the month every month for the past 4 months there has been wrong amounts by TransUnion to what I'm paying and I have uploaded proof by XXXX XXXX XXXX as to why the amounts by TransUnion differ as mu other credit cards are the same issues I'm not paying as the Scheduled Payment amount.
Consumer complaint received 2021-04-27
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: I.C. System, Inc. (AR)

I reviewed a copy of my credit report and I saw that there were collection items, and charge off items listed that I wasn't aware of. I attempted to contact the companies and request verification and received nothing back. I understand that this is a violation of FDCPA and need to have accounts deleted. I also tried speaking with the CEO of XXXX about late payments that were reported on my account, which is also unverifiable, which is again, a violation of FDCPA, and need all late payments removed.
Consumer complaint received 2018-08-06
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ECMC GROUP, INC. (NC)

My student loans was with the XXXX XXXX XXXX. I paid automatically every month through my bank. In XXXX XXXX XXXX XXXX started returning my checks so I checked my account online and it said my balance was XXXX. This month I started receiving debt collection calls about my student loan saying it was in default. This was the first I heard of this, I thought my loan was paid off. I called XXXX XXXX XXXX and they said they transferred my in XXXX. I was never informed by anyone. I called XXXX and they said they received my account on XX/XX/XXXX. I never received any information about this. I spoke with a lady named XXXX at XXXX, she said they mailed a letter to an address ( XXXX XXXX XXXX. ) that I have not lived at for 15 years. The letter was mailed In XX/XX/XXXX and she said it was returned because it was the wrong address. There was no other attempt to contact me. In XX/XX/XXXX ECMC took over my account and again I was never contacted. I spoke with XXXX at ECMC and she said they mailed a letter to the same wrong address ( XXXX XXXX XXXX. ) on XX/XX/XXXX. I never received a letter or any information from ECMC or XXXX. My address has always been current and updated with the United States post office and on my drivers license. Also, XXXX XXXX XXXX XXXX has always had my current address. There is no reason I should not have been informed of my account being transferred to XXXX. Then it was supposedly late with XXXX and then it was in default. I was unaware of all this. My credit has been perfect until XXXX and ECMC failed to notify me that they have an account with me.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WI)

Experian credit Bureau has several Hard Inquires on my report that I did not apply for financing or inquire about credit. I contacted Experian and they informed me that Hard Inquiries on credit report can not be disputed. Hard inquiries that I did not approve include : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX PA XXXX XXXX MD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  DE XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2018-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (VA)

I disputed with XXXX XXXX a bill of {$100.00} that was not correct and only due because I stopped their service back on XX/XX/XXXX. I saw it on my credit report, disputed it back in XXXX and it was deleted from XXXX per dispute XXXX found to be a bogus claim. Again I am checking my credit reports in XX/XX/XXXX and XXXX said they sent me a collection notice on an bill over 5 years old that was adjudicated back in XXXX! This was just disputed with XXXX report XXXX XXXX XXXX on XX/XX/XXXX and removed on XX/XX/XXXX. XXXX. I put in a dispute with XXXX dispute # XXXX around the same time above and they Estimated month and year that this item will be removed from my credit report is : XX/XX/XXXX. They can not put this back on my XXXX  credit report because they know this is a bogus collection.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (OH)

I have a business account with US BANK that I called to inquire on balance and limit. After hanging up with representative I started getting alerts that my credit was pulled. When I called back n one seemed to know what was going on and me to call back the next day. I soon found out that a personal credit card was opened in my name from the representative and now I have a hard inquire on my credit report that US bank said they can not remove because of their mistakes. I want this inquire removed from my file that was generated on XX/XX/18. I did not apply for new credit and I believe the representative pulled my information without my consent.
Consumer complaint received 2018-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

8 weeks ago my mortgage was raised by XXXX and when i contacted lakeview loan servicing my lender they told me my property taxes were raised and they could not explain why. I contacted the county of XXXX XXXX counties office of the assesor and discovered my deed restricted home 's value ( BMR ) was recorded at the full amount. As of XX/XX/2016 the purchase date, my home was recorded at the value of {$680000.00}, instead of the restricted value of {$380000.00}. I provided all the documentation to the county who made the correction and provided me documentation of the mistake. As a result, my lender overpaid my 2017-2018 taxes by over {$3000.00} and had overdrawn my escrow. I contacted lakeview and provided them with all the documentation stating the mistake from the county and a new tax bill showing the correction and I cant get anyone to respond to my emails or my calls to fix this situation from lakeview. Last month I had to pay an extra {$600.00} on my mortgage and this month an extra {$250.00} and every time I speak with a manager who says they will call me back, no one does. They tell me there is no one that can take my call and I have overpaid this lender almost {$4000.00} and no one is willing to explain how to fix this.
Consumer complaint received 2018-08-06
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. (GA)

XX/XX/XXXX both my credit report and husbands showed on XXXX the account was closed with a balance. Called and the lady said oh we are getting a new account # since we did a re-term. 

XX/XX/XXXX is was updated to show open XX/XX/XXXX. 

XX/XX/XXXX they both show closed again on XXXX.
Consumer complaint received 2018-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

i called XXXX mastercard ( XXXX XXXX ) today saturday, XX/XX/2018. my account due date is usually on the first of every month. i paid my account on XX/XX/2018 and i paid {$4500.00} 8 days prior to my due date. and XXXX mastercard is charging me a penalty for early payment. i think that is totally wrong, but they tried not to keep me as a customer and would rather lose me as one then to fix the problem. i have many accounts with XXXX XXXX and all the other ones i have never had an issue. so i began to close my account for the XXXX master card. and they care not to keep me as customer. and just gave me a lame excuse for their penalty for early payment. thank you XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX, florida XXXX
Consumer complaint received 2018-07-11
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. (PA)

Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit bureaus.

XXXX : current status is listed as Charged Off as bad debt 1 late payment reported for XX/XX/2017 XXXX : current status is listed as Settlement Accepted/Charge Off Account 2 late payments reported for XXXX & XX/XX/2017 Experian : current status is listed as Transferred to another lender 6 late payments reported for XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2017 Due to these inaccuracies I request that this account be deleted from my credit report, following my rights under FCRA Section 623.

I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit bureaus.

Transunion : current status is listed as Charged Off as bad debt 1 late payment reported forXX/XX/XXXX XXXX : current status is listed as Settlement Accepted/Charge Off Account 2 late payments reported for XX/XX/XXXX & XX/XX/XXXX XXXX : current status is listed as Transferred to another lender 6 late payments reported for May, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Due to these inaccuracies I request that this account be deleted from my credit report, following my rights under FCRA Section 623. 

I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed.
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of American makes it effectively impossible for consumers to communicate with it without visiting a branch in person. Tonight, for example, I attempted to ask a question about my credit card account. BOA 's website does not allow for email or chat. Instead, consumers must call or visit a branch. 

Yet calling is a dead end. I spent 10 minutes setting up an automated call from a BOA representative to be placed " in more than 30 minutes. '' When the call came, I navigated through additional prompts and then .... it hung up on me. Moreover, I have tried to call again and have again been on hold for more than 10 minutes. If the last call suggests anything, it's that the wait on this call will also exceed exceed 30 minutes and then the call will disconnect again - creating an embarrassingly time-consuming loop. 

If BOA cared about its customers, or about providing the service it promises, it would : ( 1 ) provide ways for consumers to reach BOA without visiting a branch ; and ( 2 ) remove the false claims that it can be reached by phone ( which waste its customers ' time ).