davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (TX)

I had my son XX/XX/XXXX at the XXXX 's Hospital of XXXX. During this time I was living at XXXX XXXX XXXX XXXX XXXX, TX XXXX. However, my mailing address is my Mother 's XXXX XXXX XXXX XXXX, TX XXXX. I never received the hospital bill, and did not know what the insurance didn't pay until my credit was affected. Once I realized I had a balance at the hospital I paid it off in full to the hospital. The debt collection company XXXX was the debt collection agency in which was responsible for sending a notice of payment to the credit bureaus, in which I had been promised would be a paid and deletion letter. Where I am at fault is I never wrote down the name of the woman that gave me this promise.The account was updated to being paid on my credit report, however it was not deleted of my report as promised. I have been in contact with the company XXXX about this issue and I am not receiving a solution. Now the company is telling me " deleting accounts is against their company policy '' which conflict with the original promise of deletion. I spoke with a representative today that stated " We only delete accounts when it is our fault, and it is not our fault you didn't pay your bill. '' As rude and unnecessary as that comment was it holds some insight on the fact that the company does do deletions. I then spoke with a supervisor to try to get a better handle on the situation. I told supervisor XXXX that I was told the collection would be taken off of my credit and regardless of company policy, if people are being told that accounts are going to be taken off of their credit report and then it be false information that's negligence on the company 's part. XXXX then told me " We have offices all over the United States, and different departments " and therefore insinuating that because I do not know the name of the person I spoke to I do not have proof. I feel that this company needs to be investigated because if I received deceptive information to get me to pay a debt then I am sure there are others. I feel wronged that I paid almost XXXX dollars to get this account off my credit report and it is still on there. I am trying to buy a house for my family and this is preventing me from doing so. I went from having a XXXX to a XXXX credit score. It is the ONLY thing preventing me from purchasing a house. I feel so helpless in this situation and I am hoping something can be done not only for me, but others that have been lied to by this awful company. I am not only a single mother but an elementary school teacher in the city of XXXX, and I can't afford to have hire an attorney to help me.
Consumer complaint received 2019-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (GA)

XXXX, XXXX XXXX XXXX XXXX XXXX KY XXXX TO SEND PAYMENTS, CITI XXXX XXXX   XXXX XXXX XXXX, SD XXXX ALSO has an agreement with XXXX XXXX d/b/a XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) where CitiMortgage will utilize XXXX XXXX to perform various servicing functions for my 2nd mortgage I have had since XXXX to XXXX. The BBB has all bad reviews and XXXX is not an accredited by the XXXX. XXXX is a fraud and scam consumers. I have talked with CITI and they will not help. XXXX XXXX TERMS and AGREEMENTS are not acceptable, but you have to agree to them to pay your mortgage. We have not agreed and would like the federal government to see the people begging for help. I would like to know my options and where to turn for help. Letter stated ACTIONS NEEDED, Beginning XX/XX/XXXX all mortgage payments should be made to XXXX XXXX directly. To reach XXXX   XXXX  call XXXX. MY NEW ACCOUNT NUMBER:XXXX.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to formally request that you block and delete certain accounts and public records from my credit file, as I am a victim of a data breach that has affected my credit. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), which entitles me, as a victim of identity theft, to have fraudulent information removed from my credit report. 
The following accounts, which were fraudulently opened or affected, should be blocked and deleted from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

IC Systems Collection agency reported a alleged medical debt of {$1400.00} to the credit reporting agency from XX/XX/XXXX I received a credit alert. I contacted the collection agency on XX/XX/XXXX and question the debt and why I was not notified in writing, which the letter was then sent a week after my telephone. I have repeatedly verbally ask the collection agency to validate this debt by sending me documentation and not just a itemized bill. I asked that it can be sent either from them OR the original creditor directly to me due to any HIPPA laws. I have called to follow up on several occasions.Dates of contact were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I kept getting the same response " the original creditor has not responded ''. I sent a electronic request via IC Systems Collections website to dispute on XX/XX/XXXX, again no information was sent and I lastly sent a certified letter on XX/XX/XXXX. This is becoming so overwhelming and is also effecting my credit score.
Consumer complaint received 2019-02-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I was told 2 different bits of information today in regards to 2 involuntary offsets in my accounts, 1 for {$150.00} in my checking and one for {$170.00} in my savings. Huntington says that there were 4 accounts in my name, and I have only ever had my 2 current accounts, and one other account. The customer service rep from financial services advised that they had charged these accounts off, and a lawyer in my family advised that it is illegal to offset an account once it has been charged off. When I called back the 2nd time, I was told the account had been charged off to huntington themselves, and that they had bought it back from themselves. ( yes I know that is strange!! ). I have payments that I have already set up coming out of the account and the need to put the money back. NO ONE ever contacted me from Huntington in regards to any account other than the one that I have already paid off. I am not certain this is not some sort of identity theft, and we would have no way to see, since they failed to even attempt to make sure I had open these accounts they are speaking off. 2 customer service reps did not assist me in any way, and I have been waiting on a supervisor to call me back before the end of the day, and that hasn't happened either. I would like them to PROVE they attempted to contact me in regards to this, they obviously have my phone and address and have sent ZERO notification that this would be taking place. If someone opened an account in my name, would I have any other way of being notified? Especially if there was other contact info used to set the account up. Huntington Bank needs to be held accountable for not banking inside the standards set up by the government.
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX & Transunion continue to erroneously report multiple public record items that their public records vendor is not reporting ( see attached ). Additionally, XXXX has covered the fact that XXXX is it's public records vendor in a malicious effort to harm the consumer ( ( XXXX PUBLIC RECORD SETTLEMENT Case No. XXXX ( XXXX. XXXX ) and Case No. XXXX XXXX XXXX. XXXX ) United States District Court for the XXXX XXXX XXXX Virginia ) ). I am requesting these credit bureaus be investigated in my case ...
Consumer complaint received 2019-02-09
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: EQUIFAX, INC. (VA)

The following ( 9 ) hard inquiries to my credit are not authorized and I am requesting that they are removed from my credit repot. They are on my Equifax report but not on my XXXX XXXX report. * XXXX XXXX XXXX XX/XX/XXXX ; inquiries were made by XXXX XXXX  XXXX for the following dates:XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would not keep applying for credit over and over again to these organizations knowing it would add more negative impact to my credit. I did not authorize these inquiries. Please remove right away.
Consumer complaint received 2019-07-15
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Mr. Cooper Group Inc. (FL)

I have been requesting a pay off on my home and Mr. Cooper is failing to give me a timely and correct payoff amount. The first two requests were made on XX/XX/2019. I spoke with their customer service on XX/XX/XXXX, XX/XX/XXXX ( to three separate people over two calls ) and XX/XX/2019. I have received two pay off amounts and neither was correct and both were provided to me untimely. The second one was provided with a pay off date on the same date it was sent and provided after XXXX XXXX. ( on a Friday ). I couldn't pay it off b/c the bank was no longer open and I was told I would have to request a new payoff. Mr. Cooper makes about {$10.00} per day in interest that the house is not paid off. Since XX/XX/2019, this has made them over {$200.00} in interest despite the fact that I would have paid it off on XX/XX/XXXX or even before now if the correct information had been provided to me.
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/2019 I applied for a XXXX Business Store Card for my company XXXX XXXX XXXX XXXX. The application came back as a decline. On XX/XX/2019 I called into XXXX Underwriting and spoke with a representative about my application. I requested a reconsideration of that application. The representative from the credit department said they could not rereview the application until I received the decline letter in the mail explaining the reasons for the decline of the application. I waited patiently until XX/XX/2019 to receive the letter in the mail. On XX/XX/2019 I called into the business credit department to ask for a reconsideration of the my application as the letter only stated the decline reasons were " credit history of personal guarantor ''. I spoke with XXXX and he put me on hold. XXXX came back after a couple of minutes and said he tried really really hard because I have a good credit score and credit history to approve my application but unfortunately he was not able to. When I asked why, he said for the reasons listed on the decline letter, which is confusing as it does not provide detail. Being that he could not explain the decline reason and told me my credit score was good and my credit history was good, I asked to speak to a supervisor. The supervisor XXXX XXXX indicated that nothing could be done because I had to call in within 24 hours of applying for the business card for them to manually review. I explained to XXXX that I called in within 1 hour of applying for the business card and one of her employee 's instructed me that I had to wait until I got the letter to request a reconsideration. XXXX then said " even if you called in within 24 hours it doesn't mean you would get approved ''. I asked her what my options were at this point. She said I could dispute the decline or apply again. I asked her how I would dispute the decline. She said I would have to get an attorney to dispute the decline. When I asked her who the attorney would contact to do the dispute, she indicated that the attorney would know all of that. Essentially indicating that I would have to get an attorney to sue Synchrony to dispute the application, which does not seem right. She just kept telling me to get an attorney.
Consumer complaint received 2019-01-18
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: EQUIFAX, INC. (IL)

On XX/XX/2018 I received an updated Equifax credit report and found that I continue to be plagued with inaccurate accounts. This dispute is pertaining to the account listed by the debt collection company XXXX XXXX. 

On XX/XX/2018 I sent a debt validation letter ( attached item A ) to XXXX XXXX requesting several items of information including any copies of documents proving my agreement to such debt. I never received any documents proving that I agreed to this debt. I only received information on how they calculated the amount due ( attached item B ) and a statement. XXXX XXXX never sent me anything that could verify that the account belonged to me. 

On XX/XX/2018 I sent a dispute letter ( attached item C ) to Equifax detailing the situation and provided them with the documents that were sent to me from XXXX XXXX. After Equifax conducting their investigation, I was sent an updated credit report and the account listed by XXXX XXXX was still deemed as verified. How is that possible? How was Equifax able to verify the account? 

According to the Fair Credit Reporting Act, credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract on any and all accounts posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

This negative account has directly caused me great financial distress which includes being denied credit and offered unfavorable credit terms. 

My demand is the immediate and permanent removal of this inaccurate account listed by XXXX XXXX on my Equifax credit report. This is my final attempt at a resolution with Equifax regarding this matter before I retain a consumer protection attorney and present my grievance in a federal court.
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (CO)

Netspend will not return the remaining balance of {$300.00} on the account that I closed. When I closed the account they said that the remaining balance would be returned via a mailed check. The check wasn't sent. I contacted them, and then they issued a check for the portion of the balance that was loaded to the card with cash but not for the {$2300.00} I had loaded via ACH transfers. When I contacted them again they said they could not return the funds without a letter of indemnity from the originating bank. I contacted the bank that the funds were originally sent from to request the letter. The bank then sent a confirmation letter for the transaction to Netspend. Netspend then returned {$2000.00} via ACH, but withheld the remaining {$300.00} and requested another letter. I then had my bank send the same type of letter on XX/XX/18 for the {$300.00} transaction, but did not hear back from Netspend. When I contacted Netspend again they said they required 20 business days to review the letter and that they would contact me once it was reviewed. I did not hear from them again, so called them again after a month, and they said the letter had been declined. I was forwarded to the fraud department. The representative said he would contact my bank and call me back within 3 business days. I did not receive a call. I called Netspend again and they advised me to wait a few more business days. Again, I did not receive a call. I called back again and was told to send another letter. I have called Netspend at least 20 times, with some calls lasting over 90 minutes and have been left without a way to recover my funds.
Consumer complaint received 2019-02-09
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

I sold my corporate owned business on XX/XX/XXXX. My credit card processing company threatened me with {$490.00} cancellation fee, my actual processing fee of {$59.00}, {$20.00} fee, and an additional {$200.00} fine/fee. When we discussed this issue on the phone the lady I spoke with threatened me, that she would put this corporate bill on my personal credit report, basically extorting me out of my money. I paid the {$490.00} dollars even though it was not my personal debt for fear of her ruining my personal credit, which is exactly what she threatened to do. She said if you do not pay this today by XXXX I will ruin your credit score and it will drop into the 400 range and no one will ever loan you anything again. This happened on XX/XX/XXXX. I have the email of the company and of the individual that extorted a corporate bill, to use against me personally. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-02-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (ND)

I applied for a loan of XXXX with One Main Financial loan. On the enitre site and terms did it not state that I have to be a resident of North Dakota nor a problem with my address. I have made multiple calls to both the XXXX branch and XXXX branch told them my address. I also told the XXXX branch what my address is and located for. I called the OneMain Financial branch in XXXX and XXXX, ND and I informed of the XXXX XXXX XXXX XXXX XXXX nd is my address. I informed that the house in XXXX XXXX  XXXX is on sale and i need the load for multiple things like deposit and car. I went to the XXXX   nd branch due to the fact that the XXXX  branch bus directions online lead me there. The person at the desk printed my ID off I told him my address, ask me for more information, I told him my address and if there anything I need. Just a Social Security Card. I gave them a passport and he said I have ot be a resident. I have already informed that and he kept taking more and more info about my social security and my dob. I have called XXXX and they stated I need a address on which i gave. I even gave my bank mailing address for my bank info.
Consumer complaint received 2019-02-21
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. (CO)

I have been trying to remove a Chapter XXXX Bankruptcy from my Credit Report. On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I mailed XXXX, Experian & XXXX  asking them to provide me documentation they used to verify this Bankruptcy and also provided them with a letter from the United States Bankruptcy Court that verifies they do not send information to any internet search engines or credit reporting agencies. Only XXXX responded within 15 days but did not provide any documentation. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and therefore, the Bankruptcy must be deleted from my credit report.
Consumer complaint received 2019-02-21
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: AMERICAN EXPRESS COMPANY (CA)

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud  warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Those dates are : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX
Consumer complaint received 2019-02-21
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. (NJ)

The loan has been here since 1996. I have made payment and made arrangement in the pass XXXX. The loan was sold to Navient loan company. The new balance is XXXX the loan was only XXXX. I was told I can get debt forbearance to remove the loan entirety. The company has been in lawsuits and other fraudulent behaviors. I asking for loan to be look at and see if I owe the amount in question. I getting phone calls from 10 different numbers a week. Need you help on this delicate matter.
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

My current credit card balance as of XXXX19 according to the website is {$1200.00}. No matter how I add up the transactions, it never equals the outstanding amount. I have spoken with a CSR and a " supervisor '' ( XXXX in XXXX Florida ). They were not able to get to that total either. It is totally UNACCEPTABLE that Chase is not able to account to the very cent the charges they are attempting to bill for. I was also transferred to XXXX the floor manager. She would only say that she works in Florida. I feel that I am being over charged. The bill needs to include a running balance to ensure that customers are not being defrauded out of funds.
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (NY)

I called to close this account, XXXX XXXX XXXX, and I got a letter in the mail stating that any automatic charges may be accepted and billed. I had a fraudulent charge ( only {$9.00} ), but thats why I closed it and should any more false charges happen they seem to think its my responsibility. CLOSED should mean CLOSED. This is simply a nasty way for a credit card company to potentially make more money on interest, and billing me. Simply not acceptable
Consumer complaint received 2019-07-14
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: EQUIFAX, INC. (TN)

. I am writing this due to non-compliance with the ( Equifax ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.