davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Consumers Inc (VA)

I have paid the debt in question and have documentation to show it is paid. Also, the collection was initiated by XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX did NOT notify me the debt was being sent to collections. Original date of billing was XXXX/XXXX/XXXX for multiple service for a XXXX XXXX. Payment of the {$400.00} was recorded by XXXX XXXX as seen on accompanying documentation. The debt collector has call our home phone identifying themselves as a debt collector but offering NO information as to who the debt was against and who it was the original collector. Today XXXX/XXXX/XXXX I received a letter of collection for the first time, I attempted to use XXXX all it was an automated system that kept repeating I owed {$400.00} would I like to pay ... ... No interactive conversation.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XXXX XXXX, 2016 I reached out to Transunion because my local credit union ( XXXX ) had informed me that there was a statement on my credit report that says, " INPUT SSN REPORTED AS SUSPICIOUS OR MINOR SSN '' ( on page XXXX of XXXX ). I was told by Transition that I need to send in my birth certificate, a copy of my ss card, and an explanation of my issue. I do so and I followed up as instructed, 3-5 business days so on XXXX, XXXX, XXXX ( 3 phone calls that day ), XXXX, and XXXX. As of today I am still getting the run around that my file or case is being handled by a dept or someone beyond their ( the rep that I am conversation with ) control. I have been told that my file had to be sent over to a manager/supervisor for resolution. Today I fear that my mortgage loan is in jeopardy because of the nonchalant attitude towards my situation. Each time that I contact Transunion, I explained to them the urgency of my situation. As of today, the hawk alert is still sitting on my credit report and NO ONE has reached out to me nor have I received any mailings to reflect a resolution.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NC)

Trying to get a judgement removed, from Equifax, ... I faxed a true copy from the Clerk of Superior Court stating " This judgement is satisfied in full as to principal, interest, and cost and the same is hereby cancelled of record on XX/XX/2012. '' Transunion has already removed it ... Equifax states it has to be on there for 7 years Being the widow of a XXXX veteran, my credit is all I have.
Consumer complaint received 2016-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NVR INC. (PA)

I signed an agreement to purchase a new construction loan from a builder. The builder has an associated lending company. I decided to shop around for a better mortgage and found a great rate with the same bank that services my checking and savings accounts. However, the builder claims to provide a significant incentive to use their lender. On the associated lender 's GFE for the loan, it shows that I would be responsible for the traditional XXXX % of transfer taxes and then shows a much lower seller credit than the claimed incentive. When I asked about this, the associated lender explained that the majority of the incentive is applied to the portion of the transfer taxes traditionally paid by the seller, then the remainder is applied as a seller credit. I took this as a marketing tactic and brushed it off. When I presented the builder with the loan estimate from my bank, they said that it was a bad deal and that I would miss out on the incentive and would have to pay the full transfer taxes if I proceeded. I think that this is a very deceptive practice and I do n't feel comfortable being strong-armed into paying more by using a different lender.
Consumer complaint received 2016-10-11
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

When attempting to buy a generator after a hurricane my check was declined by Certegy Check Services. I have had multiple problems with them in the past with declining checks saying I did n't have enough history with them. When I was finally able to get a check approved Certegy sent it off to collections with in a week saying it was unpaid even though my bank shows it paid after talking to them it was found to be an error and they where going to send a letter to me to get my fees refunded from my bank and that never happened. That has made me loose several XXXX dollars in fees to my bank. Fast forward to today when attempting to call for three days in a row since XXXX XXXX and wasting 6 hours I can not talk to anyone to figure out the issue. Certegy has not learned from the FTC lawsuit and is still preventing customers from spending their own money. Their VIP program that is supposed to make writing checks easier is a joke. It is just a way to force consumers to do business with them. I am tired of having to waste my checks that I have to pay for.
Consumer complaint received 2016-05-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paul Michael Marketing Service (NY)

Paul Michael Marketing Inc reports XXXX about a charge of {$120.00} which is n't mine.I have disputed this charge with XXXX two months ago and the dispute was in my favor and XXXX has taken that information of my credit report. 
I want Paul Michael Marketing Inc to stop reporting this charge to XXXX as its not my charge and they do not even have my social security number on file to claim it 's my charge.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

After carefully reviewing my credit profile, there is a fraudulent account showing on my credit report. Once again I am a victim of identity theft and this account was not done by me, nor is it my account it is identity theft and ask that ALL items be removed and deleted off my credit profile.
Consumer complaint received 2016-10-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

It appears that there is a major flaw in Bank of America software. Intentional or unintential not sure. But a deposit of a Check of Friday, or Saturday would not clear due to the bank holiday on Monday XX/XX/XXXX, would not be processed until Tuesday, which means the funds would be available on XX/XX/XXXX, well Bank of America software does not assume the holiday as it make on the deposit slip and online that the funds would be available on the XX/XX/XXXX but they are not, I understand why but do not understand why they posted wrong. This must happen every holiday causing much issues for people. I out several XXXX dollars and may have XXXX.me getting a mortgage
Consumer complaint received 2016-10-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy Federal Credit Union is still limiting access to accounts due to a message box pop requiring a phone number to continue ( XX/XX/2016 ). There is already a valid email contact address on their file that they have used before. There is no additional information on the popup, but yet their billing rights, which is very difficult to find, clearly states 'phone calls will not preserve rights '. This is deceptive conduct by NFCU, even though they signed File No. XXXX, to get people to waiver their rights.
Consumer complaint received 2017-02-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TN)

This particular account was sold to midland funding The account in question is over seven years old and the collection agency Midland Funding practice illegal credit reporting practice this account was removed by this company days later they put it back on my credit file I have experience the taking off and on at least 3 times I took screen shots for the record of this unfair advantage that they have over the consumer
Consumer complaint received 2017-02-26
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Real Time Group, Inc. (CA)

Real Time Resolutions ( RTR ) does not respect the Fair Debt Collections Act, also breaking the Law. The Statures of time in California is 4 years. why is RTR disrespecting and breaking the Law, simply put. This is an old XXXX Loan # XXXX this is just one of I do n't know how many account numbers they have on me, my SSN # XXXX.. Because they hide the truth with many different account numbers you can never get the truthful facts from ( RTR ) there is no telling how many times they have been paid off, because they keep changing the account numbers. I 'm asking them to remove my name and SSN # purge it from their system and rescind any and all claims they have filed. With respect to XXXX XXXX XXXX SSN # XXXX property located at XXXX XXXX XXXX XXXX, XXXX Ca XXXX also XXXX XXXX XXXX XXXX. XXXX Ca.XXXX. 
Respectfully, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I obtain a copy of my credit report and notice and noticed both credit reporting agencies are reporting wrong inquiries on my report. XXXX and Equifax have not cleared the inquiries or wrote me. To tell do the room.
Consumer complaint received 2017-12-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (DC)

I have received multiple calls in the past few months from alleged debt collectors. 
They are calling themselves XXXX " XXXX XXXX XXXX ''. They have called me from various different phone numbers in different states XXXX, XXXX, XXXX, XXXX, XXXX. They allege to have sent multiple collection letters, which is false. They refuse to give me information about the company and are often aggressive when questioned about the company. Additionally, they have threatened my credit by putting this bogus account into collections. 
They have my full name, full address, date of my appointment, and name of medical provider. I know I paid the amount in full that they are talking about but it is concerning that some group would be able to get all this information about my health history. 
I have already contacted my health provider and insurance company about this and I do not intend to pay this bogus bill.
Consumer complaint received 2017-12-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

My complaint is that I did a loan modification sometime ago and we were fine until our interest rate started going up. That 's why we got the modification in the first place. We are on a fix income and my husband is XXXX. I reported this to XXXX XXXX XXXX. 
and now they 're saying apply for another modification! This is not fair for them to keep raising interest rate when we 're on a fixed income and pay on time every single mo. and now this will cause a hardship.
Consumer complaint received 2016-10-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Aldridge Pite, LLP (OR)

XXXX XXXX XXXX XXXX Is creditor, " not '' XXXX XXXX XXXX XXXX, XXXX doing business as XXXX XXXX. As of XXXX 2014, when XXXX XXXX XXXX SOLD THE LOAN to XXXX XXXX SERVICES called LOAN POOLS! XXXX POOLS WERE ACCUIRED BY XXXX XXXX XXXX XXXX " NO " LETTER OF TRANSFER " HAS BEEN RECEIVED FROM XXXX XXXX XXXX XXXX. 
AND FEDERAL LAW STATES THAT : " A LETTER OF TRANSFER IS A REQUIREMENT ". I DISPUTE AND DO NOT AGREE WITH ANYTHING!!!!
Consumer complaint received 2017-12-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

I have contacted Experian to get erroneous negative information removed from my credit report for a company, XXXX XXXX XXXX, for which I have no knowledge. Experian says they have received certification as to accuracy but this is impossible as I have no knowledge of the account for which the company is trying to collect. Experian does not provide any details or contact information to get this matter cleared up.
Consumer complaint received 2017-12-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX I contacted XXXX XXXX to confirm my monthly payment of {$110.00} that was agreed upon back in XX/XX/XXXX for a line of credit. I was then informed that I received a credit card that I did not ask for, wanted or needed. Even if it was sent I would have shredded it cause it was something I never intended to use. Even though I was meeting my initial payments I was told they were issuing me a replacement card. On the XX/XX/XXXX I received a notice of activity on my credit report because they opened my credit report and issued me a credit card that I did not request. Then i received a notice that my next payment for XX/XX/XXXX will be due on the XX/XX/XXXX for a payment of {$260.00}. I am in agreement to refinance my home to eliminate debt so why would I agree to increase my debt. This predatory practice will lose me {$40000.00} and lower my credit standings. I then spoke with a customer service supervisor who told me she refused to discus with me any further about this matter and abruptly hung the phone up on me. Very rude. When does a line of credit turn into a credit card just to increase my monthly payment. Right now I have block from opening my online account so I can only imagine what changes that I can not afford are being made. Without access to my account how can I continue to make my payments of {$110.00}, so I guess their intention is to charge my credit card to put me further in debt.
Consumer complaint received 2017-12-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

Recently while conducting a monitor of my credit report I discovered that XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. t I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can  allow me to seek damages from a collection agency.
Consumer complaint received 2017-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (CA)

When I recently received my credit bureau report, I am surprised that there is a dispute by borrower posted by CitiMortage. I do not recall that I initiated any dispute with CitiMortgage and I havent received any notice from CitiMortgage about this dispute. Neither when it was posted nor any investigation result from CitiMortgage. Nothing at all. We are applying for mortgage and this dispute is the only hurdle preventing us to get this loan to closing our house. To continue our loan process, I am asking CitiMortgage to send me an email ASAP stating that the CitiMortgage receives my request to resolve this dispute on my bureau profile. My email address is XXXXXXXXXXXX. My loan number with CitiMortgage is XXXX. I called CitiMortgage initially but the customer service declined my request and asked me to wait for the final resolution from their research team. Then I talked with the supervisor who promised to send me an email but I havent seen it yet. This delay could cause us significant financial consequence. We are approaching the timeline stated on our contract to close our house. We are looking for help from CFPB hoping this could be escalated. Thank you very much!
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I have an ongoing investigation with Macy's/Citi concerning 2 accounts with fraudulent transactions. The first, I opened and have used for several years until XX/XX/2016, when I identified fraudulent purchases. I notified Macy 's ( store ) who could not help. I had to call the credit/security department during their regular hours, M-F XXXX ET. Living in XXXX., that is n't easy to do when you are working .None the less, I did, I received and completed the needed affidavits/statements concerning the purchases. Not long after, I saw that a new account was opened ( I did not authorize ) which had many transactions. Some orders I was able to cancel and several items were mailed to various addresses around the country. I never even received the card. I also saw that my email address for confirmations was changed ( not be me ). It was just slightly different than my own. I have been receiving calls from " apparently '' the Macy 's fraud department. No messages are left. Today I called back and I was told that they could not tell me why they were calling. I looked at the closed accounts which still show a past due balance and I receive payment notices. I placed an outbound call to the phone number I had and spoke with XXXX, # XXXX and explained that the calls must stop and the accounts closed and balances charged off. I am concerned that the derogatory credit will be provided to the credit bureaus and I will be left with the mess. It has been more than 90 days. I do not want a derogatory report submitted, even if it is later corrected.
Consumer complaint received 2017-02-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I noticed an issue with my billing with I logged onto my mortgage account online. I tried calling the customer service number I usually contact but when I tried to get a representative I was transfered to person 's voicemail. I thought there was a problem with a the system and tried calling back later and had the same issue. I left a voicemail just in case and continued to call for a few days. I then contacted the new mortgages department and asked for some assistance. They encountered the same thing and the person said they would send an email to customer service and see what he could do and get back with me. I got a call back later and was instructed of a way to get through by hitting zero and pound several times. I was able to get through and was told it was because of my account that this occured. I tried explaining that did not make sense and was then disconnected.I send an email through their online system and it instructed me to call my account advisor. She never calls back no matter how many messages you leave. I sent another email and did not receive a respond yet. I ca n't make a payment online, on the phone and ca n't get a call back. It is very scamy and they keep charging me late fees.
Consumer complaint received 2016-10-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Valley Credit Service, Inc. (OR) (OR)

On XXXX/XXXX/XXXX Valley Credit called me about debts they claim I owe At first they said the amount was {$5000.00} then it was {$49000.00} then {$3400.00} then {$4000.00}. this number changed this much during a 20 minute call. Because of their inability to to come up with a firm number I requested copies of ALL documentation of the debts. 
During this call they finally claimed that XXXX was the right amount. And I made an offer of {$3500.00} to settle their claims, which they accepted. As part of the agreement I was to receive copies of all documents, so that I could look thru them to verify the debts were in fact mine, as well as adding them up to come up with a real total. It was agreed that they would send the paper work out as soon as possible. I would go thru it and we would talk on XXXX/XXXX/XXXX after i had time to look at the paperwork. 
As of today XXXX/XXXX/XXXX I still have not received the paperwork, so I called them on XXXX/XXXX/XXXX @ XXXX to inquire about the paperwork. the lady I talked with ( XXXX ) at first said none of this was in their notes then put me on hold. When she came back she said that she found notes on the settlement but NOTHING about me requesting the paperwork and that I had until XXXX/XXXX/XXXX to pay or the settlement would go away and I 'd owe the whole amount. When I requested she move the settlement date and send me the paperwork she stated that they do n't have some of it, but they had some judgements when I asked for copies of those she stated " We dont send copies of those if you want them go get it from the courthouse ''. and 'We can provide a list of the amounts you owe but we do n't have the original paperwork because some of these are as far back as XXXX. she ended the conversation by telling me I had til the XXXX or the settlement would go away.
Consumer complaint received 2017-02-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: TD BANK US HOLDING COMPANY (VA)

I was offered {$200.00} in sign on bonus if I spend {$1000.00} in the first 3 months. I did so, and yet did not get any rewards so I called them up and they informed me that the terms indicated that I actually had to spend {$1500.00}. I am 100 % sure TD has messed up here. They are saying that in their day the spend amount indicated is {$1500.00}. 

I distinctly remember when applying online it was {$1000.00}. It is a very click bait and also very bait and switch