davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Universal Recovery Corporation (CA)

About a month ago I received a bill from XXXX XXXX XXXX, stating they had forgotten to charge me {$45.00} for my daughter 's XXXX. I sent out a check for {$45.00}, which XXXX XXXX XXXX cashed on the XXXX of XXXX, 2017. XXXX XXXX XXXX then fraudulently reported me to Universal Recovery Corporation. I took a copy of my cancelled check into XXXX XXXX XXXX along with my collections notice, and they told me it was a mistake on their part, and they were working to correct it. While at XXXX XXXX XXXX, I called Universal Recovery Corporation to confirm this. They said they recived no information from XXXX XXXX XXXX clearing the fraudulent claim. I then requested to speak to a supervisor. The supervisor " XXXX '' got on the line and was instantly combative with me. She tried to antagonize me into a verbal fight, and when that was n't working she hung up on me. I had n't screamed at her, I had n't cursed at her, and I had n't threatened her. I called back to try and resolve the situation, she again was combative, and tried to instigate a verbal fight. She then lied to me, and said her company had only called me once. They have called me 3-4 times. She also said if I continue to call her she was going to call the police on me. Again I was n't screaming, cursing, or threatening her. Now I do n't know what to do. I did nothing wrong, and was fraudulently turned into collections by XXXX XXXX XXXX on XXXX/XXXX/XXXX. Now on XXXX/XXXX/XXXX the collection company, Universal Recovery Corporation told me if I contact them again they will call the police on me. I have always paid my bills on time, and have no idea what the next step for me to take is. Even if I wanted to pay the {$45.00} debt, I do n't owe, I ca n't contact Universal Recovery Corporation, or they will report me to the police, as supervisor XXXX stated.
Consumer complaint received 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Downloaded my credit report from Equifax on   XXXX  . Noticed the name was incorrect - all credit reporting info WAS correct. The name on the report was that of my daughter BUT it used her maiden name rather than married. The last time I checked my report was in   XXXX   and there were no issues at that time. My daughter, with her name changed to that of her husband, has been married 11 years - longer than the last report. I am working with Equifax to restore MY name to MY report - so far, no issues other than time. But I am concerned about the name change without any apparent rationale.
Consumer complaint received 2017-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I went online today X/XX/17 to review my loans and saw that my loans were in forbearance. My new income driven repayment was going to be going through, however no message was in my online inbox on the myfedloan.org website ( the letter came in after my forbearance had been applied ). I called and found out that despite my autopay and on-time payments my account had been put in to delinquency  forbearance and my interest had been capitalized. The agent did not understand how this happened, which is concerning, and reversed it. However, I am still yet to get any documentation about this interaction. I was not informed that the forbearance would be delinquency. It seems predatory to put me in delinquency while they arrange the administrative logistics of the IDR. I fear that had I not randomly checked the website my credit would be damaged and my interest would be capitalized.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I 've contacted all three major bureaus regarding XXXX XXXX which is incorrect. Two of the three major bureaus removed incorrect tax lien information ( XXXX XXXX and XXXX ). But Equifax has refused via their investigative process, remove XXXX XXXX in the amount of {$11000.00} which has been paid. I do not owe {$11000.00}. Amounts were paid by way of taxes owed to me. Balance is less than {$100.00} at this time.
Consumer complaint received 2017-08-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Integrated Recovery Services (NE)

I keep getting calls from a number XXXX or XXXX claiming they are Integrated services and that i needed to call a XXXX XXXX back. They wanted information on a XXXX XXXX XXXX and if i do not call them back to verify legal address then failure to provide formal statement. Then they would expedite verification of employment and liquid assets to avoid protocol to call XXXX XXXX immediately. 
When i call this number they do n't answer as a company. They just say hello. If they was a company why are they not answering as such and if i owed money it why are they so rude and wont tell me the name of there company that it could be anything and why are they asking me for my social and bank information. If this was a collection agency they would n't be asking me for this. Plus i would have gotten a letter from an attorneys office saying i had 30 days to dispute the claim. I have not received this letter. This is a scam call for my personal information and i want the calls to stop.
Consumer complaint received 2017-08-16
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: Harvard Collections, LLC (TX)

I do not have a signed contract nor any contract with XXXX XXXX XXXX. I have NEVER done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX.
Consumer complaint received 2017-08-15
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: CITIBANK, N.A. (CA)

I have been with Citi for a long time and overall it 's been a great bank. Very good in most occasions. But I 've had some issues with fraud over the last year, particularly with people getting access to my credit report to open accounts without my authorization. I 've had some of the fraudulent inquiries removed from my reports but not all.
There are XXXX inquiries - on X/X/16 and X/X/16 - which I do not recognize and for which no corresponding account was opened by me. It 's not as huge a deal as opening a fraud account or letting someone use my accounts ( XXXX, XXXX XXXX ), but it hurts my credit score to have lots of inquiries that do n't belong to me and were not authorized.
I 'd like to have them removed.
Consumer complaint received 2017-05-26
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: SYNCHRONY FINANCIAL (SC)

This issue goes back to   XXXX    2016. My  credit card was compromised and I contacted  Syncrony B ank who is the acting agen t for Walmart Corp. Sinc e the initial problem they have re-issued my credit card 3 times and issued credits. I have fraudulent charges every month, have to call them, get credits and complain about their out dated system that does not allow consumers to be alerted of any charges that does not have the physical card present. Funny that  XXXX   XXXX  and  XXXX  have  21st ce ntury technology that does allow such notification. Further the charges re-occuring every month is for  XXXX  with the charges occuring in  New York  even though I live i n South Carolina and never been to New York. Since this mess has started and after reading   about numerous complaints against Syncrony I have quit using the card but they are so stupid that i can not stop all charges withou freezing my account completely but that stop me also from logging into see if I am getting further charges the will not alert me about or even pay my bill.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I wrote a letter on XXXX XXXX 2017 to all three credit report agencies. Then I did n't receive anything back from them. So I decide to check the status of my credit report still the same account is still say it delinquent when I paid thru XXXX cancelation of debt form I receive from Bank of America. I call Bank of America and they said that they are working on it since XX/XX/XXXXI have not received update from them it seem they are not listening to me. I am trying to purchase a home and the underwriter will not process the loan until this get resolve.
Consumer complaint received 2016-06-21
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Performant Financial Corporation (TX)

On XXXX XXXX, 2016, Performant Financial also known as Performant Recorvery Inc. made an unauthorized inquiry on my credit report. 
Additionally, I have not received any written communication from this company to verify the debt owed.
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (NC)

I was given a NetSpend card as a gift. This card was purchased on X/X/2017 at XXXX from XXXX in XXXX XXXX, North Carolina. Following the instruction on the packaging, I tried to activate the card online. That process failed and I was directed to call a phone number that was different from the phone number in the instructions on the packaging. The number on the packaging says to call XXXX, the website directed me to call XXXX. Upon call the number prompted from the website, I went through a series of automated prompts to enter the card number, my date of birth and my SSN. Then, I had to wait to speak with someone. This person took more personal information : may address, my phone number. Then she stated that I would need to take a picture of my social security card and my driver license and email it to them, yes, she said take a picture and email it. I challenged this and stated this was a gift card and I do n't take pictures of my SSN or DL and send it to anyone. This seems like a front to steal identities! Ridiculous! My sister gave my XXXX teenagers each a {$50.00} NetSpend card. We cant activate a single one without giving extremely sensitive information either by way of fax or email. They have scammed my sister out of {$150.00} PLUS the fee for each card of {$2.00}. This is an unacceptable practice. This card was purchased at a store, not a bank and not via a bank or credit union website.
Consumer complaint received 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WA)

Afte  r my chapter   XXXX   case was final as  of  XX/XX/XXXX .  my credit file was my first to take care of. I made contact with all of the companies to ensure they all had the proper information to resolve this issue. Equifax still shows an open account that is keeping my score from rising. I have given them all the information to correct this issue and to this date, they have n't repaired this problem. I 'm at a loss as what to do as I get the run around every time I call.
<P/><P/><P/><P/><P/><P/>
 XX/XX/XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   WA.  XXXX  Complaint Department   XXXX      XXXX   XXXX   XXXX   XXXX  , Texas   XXXX   Dear Sir or Madam : I am writing to dispute the following information in my credit file. I have named them attachments as follows. I am enclosing my entire chapter   XXXX   bankruptcy showing it has completed as of  XX/XX/XXXX  I would like to update my personal and public record with the enclosed final court file showing it satisfied.
<P/>
( 1 ) Attachment Enclosed you will find my entire court records for my Chapter   XXXX   Bankruptcy filed on XX/XX/XXXX  ending XX/XX/XXXX . Please reinvestigate these matters and delete or correct the items as soon as possible.
( 2 ) Attachment My personal information for update.
<P/>
  XXXX   XXXX   XXXX
Consumer complaint received 2017-08-15
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. (NJ)

I have contacted Navient by mail in XXXX 2017 and again in XXXX 2017 requesting written documentation to be mailed to me regarding my loan. Both times I sent the correspondence to two different locations via certified mail ( I have copies of the letters and the certified mail reciepts ) Both instances the letters were ignored by Navient., although i requested that they respond within 30 days. Navient however sent me and continue to send me multiple emails. I finally responded by telling them that they have not replied to my letters that i have sent to them. I then attached one of the letters that I sent to the email. There response was that they can not discuss matters via the internet. They then sent me a letter saying that I needed to pay my bill, but never responded to the letter. Please note. that was the first letter they sent to the house. They are now sending me letters threatening default, but when I requested the information about my loan, ( due to them in the past not providing me with accurate information ) in XX/XX/XXXXand XX/XX/XXXX they refused to send me what I asked for? Do they not have it? They also are now sending reports to the credit bureau.
Consumer complaint received 2017-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TN)

Received a statement from  Convergent  on  XXXX / XXXX / XXXX  stating reduc e Balance Opportunity from {$120.00} to {$79.00}. Although I have not conta cted them directly that I can recollect, it is reporting on my credit report which I have disputed, it has been removed and then another collection company picks it up and puts it back on. This debt has been paid in full since  XXXX  when I found out that it had been sent to collection even though I never received a final bill at my forwarding address. I will be filing against the original company  XXXX  also.
Consumer complaint received 2017-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

On XX/XX/2017 I contacted the debt collection agency Portfolio Recovery to ask what creditor does the debt they claimed I owed originally belonged to. I was told they were not obligated to state the original creditors name and continue to ask me to verify it is indeed my debt even though I have no means of knowing of this debt. I was never given a written notice of any said debt. If I indeed owe the debt, I have the right to know who the creditor is and it should be validated to prove in fact it is my debt. Further more, the collection agency Portfolio Recovery is not license in my state ( TN ) to collect.
The negative and wrongfully reported account has been added to all 3 of my credit reports damaging my credit worthiness. The account was added to my credit reports on XX/XX/2017 in the amount of {$570.00}. Can you please assist me in resolving this matter? Thank you
Consumer complaint received 2017-08-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

ChexSystems continues to deny my application for banks regardless of countless amounts of inaccurate information and future dating old, fictitious accounts, preventing me from opening new accounts and collecting revenue from their business model of " check credit repair '' I am making sure this is a public complaint.
Consumer complaint received 2017-08-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Phoenix Recovery Group (FL)

Last Reported XX/XX/XXXX Collection Agency PHOENIX RECOVERY GROUP Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$3000.00} High Balance {$3000.00} Remarks Account information disputed by consumer, meets FCRA requirements I have disputed this debt several times through email correspondence with the company, in addition to the National Credit Reporting agencies and this debt has not been removed. This company is not registered legally to attempt to collect a debt in the state of Florida, where I reside.
Consumer complaint received 2017-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (FL)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Florida Office of Financial Regulation License # XXXX XXXX Department of Consumer Affairs License # XXXX Ref : Agency Reference Number # XXXX / Account # XXXX To whom it may concern : On XXXX-2017 XXXX XXXX XXXX sent me a letter stating that I owed a debt. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX, verification requires all of the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. ( section 1692g ) Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the City of XXXX XXXX ( section 5-77 ) require that you honor this request.
Consumer complaint received 2017-08-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Big Picture Loans, LLC (MA)

Earlier today, XXXX/2017, I applied for a loan on-line with Big Picture Loans. When I was nearly finished applying, they quoted payment plans with APRs of at least 555 %. I did not select any repayment plans or loan amounts. I also called customer service at XXXX. I firmly said that I was disgusted with their usurious APRs and did not want a loan from them. Soon after, I received an email stating that I was being considered for a {$470.00} loan. I immediately replied that I refuse ANY offer, and that I have contacted the FTC and CFPB. I then received an email from Big Picture Loans Support, stating that they have cancelled the loan. These emails have been copied and pasted below.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

My credit report is now showing an address that I do not recognize. I would like to know where the bureaus obtained the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX address. I did live in XXXX before, but never at this address. Any account associated with this address is fraudulent and does not belong to me. Please remove this address from my credit report and please notify me if there is any accounts / reporting associated with this account.
Consumer complaint received 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (PA)

I had a car loan with  Flagship Credit Acceptance , in  XXXX    XXXX   the car was totaled and the insurance company was to pay the car in full, The insurance co forgot to mail the payment to Flagship causing additional fees. Flagship received the payment in  XXXX   XXXX .When the payment was applied to the account I did not receive a payoff letter on a bill showing the balance and no payment due. This has gone on for a few months until I called customer service to find out why I was still receiving a bill. I was told that the payoff balance was short and I explained how can that be when after the insurance company sent a a payment plus I sent an additional {$420.00} to close the account.     For several months a tried to get this resolved, I was told by several customer service reps that Flagship does n't mail out payoffs and that 's when i filed a complaint with the better business bureau.     Flagships poor business practice has errouneously reported incorrect information to the credit bureau. My account should have been paid ahead until the issue was resolved. I filed a complaint with the credit bureau, my account was report ing 60 to 90 days late, Flagship being spiteful replied that the issue is resolved and now changed the account to 90 to 120 d ays late.
Consumer complaint received 2016-09-02
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (AZ)

Signed up for the American Express XXXX Card when they had the XXXX points bonus offer. Met the minimum spend of {$3000.00} in 3 months. Received the bonus on XXXX/XXXX/16 and they have taken back the XXXX point bonus on XXXX/XXXX/16, called american express customer support was not given any details as to why they have taken the bonus back only that it was a " point adjustment '' and the representative could not tell me anything more. I have done nothing illegal or immoral using any of my amex cards and can not see why the points are being taken back.