davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (KS)

I met with a HUD approved credit counseling agency in XX/XX/XXXX and setup a payment arrangement with Debt Recovery Solutions for a prior XXXX balance. I sent the money directly to XXXX paying {$50.00} per month since XX/XX/XXXX. When I realized I had been sending the payments to XXXX, I contacted Debt Recovery Solutions in XX/XX/XXXX and sent a letter via certified mail to have the money sent from XXXX to Debt Recovery Solutions per the instructions of XXXX XXXX with Debt Recovery Solutions. After no response, another letter was sent to Debt Recovery Solutions on XX/XX/XXXX that was sent certified mail and again no response. I attached all the payment receipts and this debt has been paid in full, however, is still reporting to the credit agencies. I tried to call Debt Recovery Solutions again today, XX/XX/XXXX, and was hung up on twice ( after being very cordial and only asking for an update ). On my third attempt, a gentlemen referred me to call XXXX XXXX who is handling my case at XXXX. I called that number and there was no answer and no voicemail to leave a message. I am not sure what to do at this point to resolve the matter.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have written numerous letters to the This credit bureau about the method of verification. I have asked specifically for the information of who, and which company or clerks office has verified that I have XXXX bankruptcies on my credit report. The companies only respond with a general overview of there method of verification process, but refuse to answer the letters. 

XXXX. I dont want an overview of the method of verifcation, I want to know specifically a name and or organization that has verified that I have the public records. 
XXXX. I have included a written response from the Clerk that declares they have not verified any public information. 
XXXX. I have included a letter from XXXX showing that all of my public information has been suppressed. 

I have been refused the right to know how this public record has been verified on my according to the FCRA.
Consumer complaint received 2017-12-18
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: Convergent Resources, Inc. (NM)

XXXX has been informed multiple times about incorrect information on my report, and refuses to remove it. Specifically due to Identity theft committed by my ex-wife, the XXXX XXXX XXXX account represented by XXXX XXXX XXXX in the ammount of {$240.00}. This account has been removed from all of my credit reports multiple times, but is put back on when XXXX attempts to sell me one of their monitoring products.
Consumer complaint received 2017-12-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION (GA)

On XXXX/XXXX/XXXX I have an ER visit to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX GA XXXX this facility was getting absorb by XXXX XXXX XXXX Went there for a XXXX got administered medication and left the facility same day -- I got an XXXX that explained to me that insurance will treat claim as In Network and my responsibility will be my deductible + Copay amount total {$390.00}. At that time called Insurance and told them to revise claim and never heard anything or got anything else on the Mail advising resolution. Called Hospital and explained and they promise to advise me of situation before turning anything over to a collections agency. 

I moved to another address as advise Hospital of such -- My insurance also shows a bill from the DR who did not took care of me and explained to them nobody but my sister was with me while they administer the medication since IV was put on by paramedics. again asked of itimized bill of charges and they told it was still under process. Never got me a Bill. since I did not receive anything I thought this was resolve. 

This weekend Saturday XXXX/XXXX/XXXX I got a Bill from XXXX XXXX XXXX for {$3300.00} -- -- So I called Hospital for more information while I checked XXXX for XXXX and realized hospital filed same claim XXXX different times against my insurance and when they got pay already {$610.00} for the bill. When open on detail for what is being file I also see duplicate charges -- asked for the hospital on a detailed statement and explained I did not have services worth {$3000.00} and they said they will send me something but situation was already out of their hands since account in now in collections. 

After this I proceed to contact collection agency -- find out they decided to turned this over XXXX/XXXX/XXXX for {$3300.00} and explained Representative XXXX ID XXXX about it and insist not too report this against my credit since some charges on the bill will be review and hospital told me to wait on bill and gave them a call -- He made me understood will report against my credit in 30 days but I told him not to report since Bill is under investigation. 

I feel Hopeless this collection agency established in California does not care. this causing lots of stress and recently have a baby going thru to XXXX. I strongly believe hospital not even have fraudulent charges but also how to get more money ouf of insurance and never contacted insurance or even send me notification of this totally unethical. 

Please advise -- collection agency have no signed document that allows then to have my XXXX neither I signed anything release on the hospital so as know violating my right for unfair collections practices but also in violation of XXXX, I also have copies of XXXX if needed.
Consumer complaint received 2017-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (CA)

Hello Sir or Madam, XXXX XXXX XXXX, XXXX an unauthorized charge of {$400.00} into my account which I had completed the agreement on XXXX XXXX, XXXX for the handyman. 

I notified XXXX on XXXX XXXX, XXXX that I did not authorize the charge, no card was swiped in his credit charge machine, no phone call to authorize the charge, and he was not even at my house. 

I filled in the paper work for dispute. 

On XXXX XXXX, citicards said it was a fraud issue therefore went to fraud dept. No response. I called within a week and they said that does n't below that department. 
On XXXX XXXX, I talked to the supervisor XXXX in dispute dept and he said look into it. 

On XXXX XXXX, I called into dispute dept and XXXX said it will forward to an investigator. 

On XXXX XXXX, the security dept emailed said that this is not their dept. to handle the case. 

On XXXX XXXX, I called the dispute dept. and XXXX then XXXX said it will forward to investigator. 

On XXXX XXXX, called the dispute dept. Could n't provide me an answer and they sent a form to complete XXXX XXXX XXXX, I faxed the form. 

On XXXX XXXX, received an email that they could n't read my fax. 

XXXX XXXX emailed the form. 

On XXXX XXXX, I called dispute dept. and XXXX responded that they will forward to investigator. 

On XXXX XXXX, I talked to XXXX in dispute dept and she said the her supervisor is looking into it. 

On XXXX XXXX, I contacted XXXX for consumer help. XXXX was able to get some help from the XXXX area of Citi Bank ( XXXX ) phone # XXXX XXXX ]. She said the whole process start from beginning again. Will have the resolution in XXXX XXXX XXXX line is that I talked to the handyman in mid XXXX XXXX about the issue. 


I never did authorize this charge period. Everytime that I authorize the charge is running through his credit charge machine. 

So, with that credit card machine supposedly an authorization code is attached onto the credit slip. But for that specific day -no authorization is performed. 

Thank you. 
XXXX XXXX
Consumer complaint received 2017-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

In early XX/XX/XXXX, I noticed that my bill was greater than the amount that it should be based on my income based repayment plan that went into effect XX/XX/XXXX. The payment under the new plan was {$490.00} but the bill was for {$750.00}. Because the excess amount of {$260.00} is 52 % of {$490.00}, I did not believe it was possible for these to be late fees, so I contacted Navient. Navient responded that they were in fact late fees. So, on XX/XX/XXXX, I reluctantly paid the bill in full, with the late fees, thinking it would be better to just pay than self-audit the account. 

Now, my bill is once again showing that I owe {$750.00}. I contacted Navient to advise this was in error, as the full P & I payment of {$490.00} plus the late fees of {$260.00} were paid on XX/XX/XXXX, four days in advance of the due date XX/XX/XXXX. Therefore the fees were paid and no new fees could have been assessed. Navient responded that my entire {$750.00} payment had been applied to P & I, nothing was left for the fees. This is an admission that they applied my payment to more than the amount that was due, in effect disregarding the reduced income-based payment amount and demanding that I pay the same fees multiple times over. 

When reviewing the payment history document, please note that there is data from a private loan account displayed as well as the federal loan account that is the subject of this complaint. The accounts can be told apart by the due dates : XXXX of the month for federal, XXXX of the month for private. The {$220.00} transaction dated XX/XX/XXXX is for the private account ; the transaction at issue here is dated XX/XX/XXXX iao {$750.00}.
Consumer complaint received 2017-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MS)

Open the account and after receiving first statement, I called company to close account on XX/XX/XXXX. I was told I need to pay the balance on the account before I could close the account. I paid the balance $ XXXX and closed account because I decided I was not going to be flying XXXX. I never even activated my cards. The amount charged on the card was charges through XXXX. I am now discovering Citi is charging me {$25.00} late fee on XX/XX/XXXX, the day after I closed the account and was told the balance on the account. Citi has been charging me late fees and interest since XX/XX/XXXX and now the balance is $ XXXX. I do n't want this to affect my excellent credit rating so I am going to pay the balance but this is wrong. Citi did everything to try to have me not close the account and they are continuing to do everything so I do n't close the account even if it 's dishonest. I advise anyone against having a Citi card.
Consumer complaint received 2017-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (PA)

I originally had a student loan which has been sold several times since I consolidated in XXXX. XXXX XXXX sold my loan to Navient. I have automatic withdrawal of my student loans and have never been late or missed a payment. I was checking on my account which I took out with graduated payments expecting it to be paid off in XXXX. To my surprise my pay off date is now XXXX, another 5 year of payments to my loan which were not authorized. My interest rates remained the same but how did they add 5 years to my loan without my knowledge??? Then my son who also attended XXXX XXXX university for his XXXX degree and took out a consolidation loan for 10 years, noticed his payments were less and found the same issue. He was extended to 20 years without his knowledge or consent. He was annoyed and paid off his student loan within a couple of months not wanting 10 more years of interest at over 7 %. My interest rate is acceptable, but how do they get away with adding 5 years of interest without consent. I had trouble keeping track of the loans. I have another for my daughter which went to XXXX which will be paid off soon. I am XXXX years old, 5 years longer is outrageous!! No response to emails requesting how this happened. Can not tell from current documents when change occurred.
Consumer complaint received 2017-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: General Credit Services (TN)

GENERAL CREDIT SERVICES OF ARIZONA. CONTINUES TO REPORT A DEBT FROM XX/XX/XXXX AS DEROGATORY OPEN COLLECTION ITEM ON MY XXXX CREDIT FILE THAT WAS DISCHARGE IN A CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX. GENERAL CREDIT SERVICE WAS INCLUDED IN THE CHAPTER XXXX BANKRUPTCY FILED ON XX/XX/XXXX GENERAL CREDIT SERVICE CONTINUES TO REPORT THIS ITEM AS A OPEN COLLECTION ITEM AND HAS ONLY MADE REMARKS TO THE ITEM AND HAS NOT CHANGED THE STATUS AS PAID/CLOSED. I 'VE CONTACTED THE COMPANY AND SPOKE WITH THE ARIZONA OFFICE AND WAS TOLD THEY JUST RECENTLY REPLIED TO MY XXXX DISPUTE ( AND UPDATED THIS ITEM AS VERIFIED ) THE ITEM IS STILL SHOWING AS A OPEN DEROGATORY COLLECTION ITEM, WHEN THIS ITEM WAS PAID FROM THE BANKRUPTCY ESTATE. THIS OPEN COLLECTION ITEM IS HURTING MY CHANCES OF REBUILDING MY CREDIT.
Consumer complaint received 2017-12-18
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: Experian Information Solutions Inc. (IL)

My social security number was listed in the XXXX, and XXXX XXXX XXXX. The hard inquires were removed but reinserted. The inquiries should n't have been reinserted without a 5 day notice.
Consumer complaint received 2017-09-10
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. (CA)

My name, account number, address, SSN, etc have been leaked as part of the Equifax data hack. The hack allegedly occurred in XXXX XXXX, while the information to the public was released in XXXX XXXX. I 'm very concerned that this information can be ( and might have been already ) used for identity theft, credit lines, etc.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WV)

I have made multiple complaints to Experian stating I was disputing a Bankruptcy on my record. I provided a letter that I received from the U.S. Bankruptcy Court stating that they do not verify information with credit bureaus. I have also included a letter from the same public record vendor that Experian said they used in the response to XXXX. Once again, this proves that Experian has failed to follow the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ),  you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ). My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or  verified these public record entries on my credit report, neither will they ever be by them. I have given Experian multiple attempts to follow the laws and even called them so I could discuss this with an actual person. The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.
Consumer complaint received 2017-12-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Everest Receivable Services Inc. (UT)

I received a call today ( Monday XXXX XXXX at XXXX AM MST ) from XXXX Receivable Services from a Utah telephone number. The company is based in New York! ( deceptive ). When I called back, I asked the representative multiple times the reason for the call, but he wanted me to verify my personal information first. I assumed this call was from a debt collector, but he DID NOT disclose this information at all. Even after I asked if that was the case! He terminated the call when I refused to verify the last four digits of my social security number. 

I called back and spoke to a supervisor, who also refused to disclose " This communication is from a debt collector, and all information will be used for that purpose. '' She went back/forth with me trying to get me to verify my identification BEFORE she would tell me this call was from a debt collector. Eventually, in order to figure what was really going on, I did verify my identity and was given the above quoted statement. 

I find this EXTREMELY deceptive, and misleading. Although there was no profane language used, the woman was unprofessional and clearly did not understand the gravity of the situation. 

Perhaps I misunderstand the FDCPA, but I was under the impression ANYONE calling you with the intent to collect a debt must disclose this information immediately. 

I would like to have XXXX XXXX XXXX investigated for likely abuse and violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2017-12-18
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Franklin Collection Service, Inc. (MS)

I have been trying to get the medical provider to resubmit claim to insurance they said they cant its gone to collections. My insurance company said the office coded it wrong and that they needed to code correctly and resend. i tried explaining this to the collection agency ( franklin collection ) but he said if i didnt pay then he would contact my employer. I told them not to as they do not have a judgment or any other legally obligatory note. The individual called them at XXXX XX/XX/2017.
Consumer complaint received 2017-12-16
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. (IL)

On XXXX XXXX, XXXX wrote into all 3 major credit bureaus disputing account that were invalid reporting, did not belong to me. These accounts are : XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX would like these accounts to be removed and blocked. Also XXXX XXXX is a new account opened XXXX and somehow XXXX is reporting late payments from XXXX XXXX XXXX and I did not even have this account during this time ; please remove late payment history from this account.
Consumer complaint received 2017-12-16
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. (IL)

On XXXX XXXX, XXXX contacted via phone and email advising all three major credit reporting bureaus account that does n't belong to me was being reported ; they advised would investigate the account came back verified then submitted ID Theft affaviadit on to local police and online XXXX/XXXX/XXXX ; the account was removed after all requested documentation was submitted then on XXXX/XXXX/XXXX the account without notice was re-entered on Transunion and XXXX file contact and was made aware of a glitch and that it would be deleted which has not happen. AT this point I would like account removed and blocked so that re-entry can not happen again
Consumer complaint received 2017-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/XXXX I called the Customer service : XXXX of The Bank of America. The person on the phone introduced herself as XXXX from Alabama. I requested to her the closing of my checking account XXXX XXXX XXXX. 

On XX/XX/XXXX I received an email verifying the closing of the account. But as of today ( 10 days after my call ) I have not received yet the check with the balance of my account at closing ( {$360.00} ) I called them again 3 days ago and asked for an update and they said that the check is in the mail and it 's their company 's policy to take so long ( up to 10 business days ).
Consumer complaint received 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

On XXXXXXXX17 I requested a mortgage re-fin quote but the creditor could not respond as they could not get a copy of my credit report as it had a " security freeze '' on it. I have never requested a security freeze on my account. I have had this problem for at least the last five years. I spend days/weeks attempting to get the matter resolved to no avail. Equifax has me make written requests to remove the " security freeze '' and then I 'm told weeks later I never had a security freeze. However the next time a creditor contacts Equifax it is the same problem. 

This time I attempted to contact Equifax on its website and by phone. The website advised I could not access it and had to write. Their automated phone system state the same thing Instructions say I need a pin or unique personal identification number assigned by Equifax which I do n't have and never received ; why would I if I never had a security freeze. 

I have placed a extended Fraud Alert on my account but a Fraud Alert is not the same as a Security Freeze. In the past, Equifax 's phone rep confuses " fraud alerts '' and " security freeze :. They provide wrong information, lie to me and to creditors. Most of the problems and lies are verbal. I do have a letter dated XXXX17 confirming that extended fraud alerts where placed on my account at my request. 

From XXXX to XXXX, XXXX I tried to change from cable to XXXX XXXX. Again there was major problems about " security freezes '' and releasing inform. Finally, the non-existing security freeze was lifted ; and then XXXX XXXX wanted a deposit on the basis that I " had a security freeze ''. Equifax representative let it slip that a security freeze was a " negative '' indicator placed by a creditor or Equifax. But I have no evidence and attempted, unsuccessfully, to find an government agency to investigate. I always order copies of my credit report and there is nothing negative on them and no mention of " security freeze '' I gave up on XXXX XXXX. I have TOLD MY STORY on this website before today 's problem. 

Then today I find the same problem. After not being able to make contact by website or phone. I wrote a letter to Equifax requesting they permanent lift all security freezes. I have to mail it on Monday XXXX-17 as it must go via certified. XXXX do n't know why I should have to go to the expense of certified mail for Equifax 's error. However I fear that they will not respond promptly as I do n't have a PIN or unique id number or some other service error on Equifax 's part. It is so discerning that Equifax can continually violate the FCRA and receive no consequences.