davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harvard Collections, LLC (IL)

I received a letter onXX/XX/XXXX regarding a debt owed to Il XXXX XXXX XXXX XXXX in the amount of {$480.00} from XXXX XXXX XXXX XXXX my ID # with them XXXX.
I contacted them immediately and explained to them I was paying the debt monthly sinceXX/XX/XXXX via check and I had proof. THey said yes, but that payment is not enough monthly. I said well what do I need to do to get this up to date and ensure this does not go on my credit? I have worked very hard the past 6 years since being diagnosed with a XXXX XXXX to clean up my credit so we can refinance the house.
THe agent stated I would need to pay 30 % which was {$150.00} online by the end of XX/XX/XXXXand XXXX every month thereafter to ensure this was current and would not at all be reflected on my credit. So, I complied. THen I made a XXXX payment online XX/XX/XXXX and XX/XX/XXXX.
On XX/XX/XXXX I received a credit notification from XXXX XXXX my credit monitoring site stating there was a significant negative impact to my credit. Balance increase and derogatory mark. THis was from harvard collections listing a balance owed of {$8700.00}. THat is was past due, and not being paid on or addressed at all. THis is totally false balance, reporting of not addressing the issue, and of not addressing my situation or balance.
Never at all did I receive notification in writing nor via internet or voice communication on this {$8700.00} balance. I would never had ignored this. I have been ill since late XX/XX/XXXX, not able to work and on XXXX since XX/XX/XXXX. I need a XXXX XXXX.
Also, when I inquired to the state of Ill. and Harvard collections on what my balance owed was, and if that was the total they both replied yes to the {$480.00} stated in the letter.
I only used the funds the state allocated to me due to my illness and lack of income. I almost XXXX XXXX XXXX in one year, had a XXXX XXXX from my XXXX and went into XXXX XXXX. Still, I attempted to keep currant with my affairs and address issues including necessary medical appointments and medicine to stay alive.
Now, by one hit and one derogatory false mark my credit report has dropped 36 points in one day. THis will significantly impact my ability to refinance now when the second mortgage is coming due.
Please, please. I am seeking help to get this expunged from my credit and have the ability to resolve this issue.
THank you.
XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Recently, I disputed several items on my credit report with all three credit bureaus asking them to conduct a thorough investigation in which they've claimed to have conducted an investigation. However, after conducting my own investigation, I discovered multiple inaccuracies that were not corrected. 

Specifically the following items have inaccuracies that remain on my credit report : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rent Recover, LLC (MI)

I keep getting on again off again calls from Rent Recovery. Rent recovery was discharged in my bankruptcy XX/XX/XXXX. I get calls telling me to pay my bill and that I need to learn how to pay bills from irate people from rent recovery. I was told if I keep being harassed I can sue this company for 10 times the amount they say I owe once bankruptcy has been discharged if I keep getting calls or they try to open up new collections on my credit report. Rent recovery opened a new collections on my credit report XX/XX/XXXX. and this has prevented me from getting a home or apartment. I am recovering from a XXXX and can not be XXXX at any level and this company is a XXXX threat to me. I have sent letter to company asking them to remove themselves from my credit reports and no reply by.
Consumer complaint received 2017-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I 'm a XXXX and tenants deposit money into my checking account with fifth third bank here in XXXX, Ohio on XX/XX/XXXX a tenant deposited {$590.00} dollars into my account, I checked online and the money was listed as being in my account. on Saturday XX/XX/XXXX when checking my account the money had disappeared there was know record of deposit etc ; I went to bank branch I use and inquired about this mistake and was told by banker that money was deposited at branch XXXX XXXX XXXX XXXX, ohio XXXX, by XX/XX/XXXX I had not heard anything nor had my money been returned to me. I personally went to this branch and talked to a XXXX XXXX who is the banker, branch manager was at lunch, she researched and admitted something went wrong with deposit and bank manager would contact me in a day to explain what was going on. so far this is XX/XX/XXXX I have not heard from anyone and when I call to inquire no one seems to have the answer to what happened to my deposit.
Consumer complaint received 2017-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

My mortgage servicer is Select Portfolio Servicing, Inc or " SPS ''. In my monthly statements I have been charged {$190.00} for " unpaid late charges '' and {$290.00} for " other charges and fees. '' I was not sure what these charges were for as I am currently up to date on my mortgage. I contacted SPS and the representative advised that part of these charges were transferred over from my previous servicer, XXXX, when the mortgage was assigned to SPS in XX/XX/XXXX. She advised that when the mortgage was transferred there were {$190.00}. XXXX in late charges and {$150.00} in " other charges. '' She also claimed that there were three additional late charges of {$29.00} for XXXX, XXXX and XXXX XXXX and three {$15.00} inspections for the same months. However, I do not think this is correct and that these charges may be a mistake. When my mortgage was transferred to SPS, I was current on my payments and had taken care of any previous fees. I did fall behind on my mortgage a couple of years ago and then reinstated it. When I reinstated my mortgage the representatives advised that I had paid all of my late charges, so I do not understand why I am now being charged for unpaid late charges for those months in XXXX. In addition, the representative from SPS assured me that the {$15.00} inspection fees would be waived.
Consumer complaint received 2017-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

When researching online for a promotional 0 % APR on purchases for the first 15 months, MasterCard through Bank of America was one of the options that came up. I choose this card because it was specifically for purchases and was going to use it for an upcoming trip and school. I applied online for this card and was approved. For my first billing cycle, I was not charged any interest. However, for the second billing cycle I was charged interested. I called the number on my credit card, and after explaining what happened was told by the representative that it was a mistake and she apologized for this error on the side of the company and transferred me to another department so that they could take care of it. This first conversation happened on XXXX XXXX 2017 at XXXX XXXX. When speaking with the second person, I was told that the card I applied for was only transfers. I explain my situation again and told him the first representative acknowledge the mistake. He continued to tell me there was nothing he could do.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Listed below are on my credit report : I am XXXX XXXX XXXX NOT XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$130.00} Amount {$130.00} Status Date XX/XX/XXXX Status UNPAID Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$300.00} Amount {$300.00} Status Date XX/XX/XXXX Status UNPAID Case/Docket # XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Amount {$800.00}
Consumer complaint received 2017-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

Finally, after multiple complaints, Resurgent Capital Services and LVNV provided proof to the CFPB that XXXX XXXX, XXXX XXXX XXXX, is reporting me for fees and interest in the amount of {$420.00} and {$9.00} in undocumented charges. XXXX XXXX XXXX and XXXX only respond to CFPB inquiries, never to my mailed direct inquires to them. Since I have not record of the {$9.00} in charges, how can I owe {$420.00}. Even if this is in accordance with some document I have no record of agreeing to, how can this be a fair credit practice?
Consumer complaint received 2017-07-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (GA)

I bought certified pre-owned car at a dealer. They recommended Santander Consumer USA bank to get loan from. Interest rate was very high, that 's why I decided to pay more than specified in documents. I have consulted with bank itself that I will not have any issues or fees or anything paying more than specified. For the last 4 month bank has messed with : 1. My last name. I was not able to pay. They did n't respond & fix until I escalated an issue. 2. I still have incorrect last name in web app, as they ca n't do anything with it. 3. On XXXX I was not allowed to pay using ACH, only certified funds, because " You have paid too much ''. Yes I want to pay my debt in 1Y. I told that from the beginning. 4. Payment on XX/XX/XXXX was not partially applied towards principal even though I asked that ( " please use {$220.00} as regular payment for XXXX and {$1200.00} apply towards principal '' ). 5. I asked SECOND time in XXXX to do that the same manner. 6. In the middle of XXXX I found that I 'm PAST DUE. Even though I paid XXXX in XXXX, My regular payment is {$220.00} per month. My due day is XXXX of each month. My first payment was scheduled to be on XX/XX/XXXX. I keep track of all payments in XXXX file. Specifically to track this kind of fraud from banks. So these are my payments ( I have not included transaction numbers, but I have it ) : Date Amount Transaction No 1.XX/XX/XXXX {$1000.00} XXXX 2. XX/XX/XXXX {$1000.00} XXXX 3. XX/XX/XXXX {$1000.00} XXXX 4. XX/XX/XXXX {$1000.00} XXXX 5. XX/XX/XXXX {$500.00}? ( did n't write ) 6. XX/XX/XXXX {$1500.00} XXXX 7. XX/XX/XXXX {$1200.00} XXXX I always ask to use money following way : what is exceeding regular payment should be applied towards principal. The last payment made on XX/XX/XXXX was not applied at all towards principal. So I wrote SECOND time in XXXX. First, I 'm 99 % sure they EITHER did not apply {$220.00} for the last payment of {$1500.00} ( the one I asked to be even though I requested that ) OR possibly they applied it TWICE towards the same month XXXX. The last 1 % - I made a mistake and asked something incorrectly. For that last 1 % - bank has not notified me at all that this will happen. In addition to that, they said I 'm 19 days past due. Even though I paid on XX/XX/XXXX, which is 12 days past due! This is surreal and unacceptable. This all looks like fraud.
Consumer complaint received 2017-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Months ago, I cut up my Bank of America credit card and sent it back to the company to close my account. Yesterday I received in the mail a 'change in terms ' to my credit card ending in XXXX. I tried to call the phone number to tell them the account was closed, but it asked for a credit card account number ( which I do n't have ) or a social security number ( which I input, but it did not recognize ). Since it did not accept my social security number, I got a recording that threatened " extended wait times '' because I allegedly did not input my number. I got tired of being on hold and hung up. THIS ACCOUNT HAS BEEN CLOSED. I HAVE NO OPEN ACCOUNTS WITH BANK OF AMERICA.
Consumer complaint received 2016-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Trans Union refuses to report student loans as paid in full, XXXX balance. The Department of Education/XXXX granted me a discharge for XXXX on XX/XX/2016 for all my student loans, including loans with XXXX and with Department of Education/XXXX. I have sent copies of the discharge paperwork to Trans Union, but Trans Union refuses to remove the loans or report them as paid in full and closed with XXXX balance. This is in violation of federal law.
Consumer complaint received 2017-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mid-Michigan Collection Bureau (MI)

I have been contacted by this company Mid- Michigan numerous times trying to collect a debt that is not mine. I have explained to this company over and over again this is not my debt. I filled bankruptcy on XXXX XXXX in XX/XX/2014 and it has been discharged and I never visited this doctor every again because the doctor was no longer practicing there. This is fraud and unacceptable. I have also written to this company asking for deletion on my credit report and for validation but company will not respond. This is keeping me from being able to get a home of my own because of this reporting. I have attached my letter sent to this company with no response back. I am recovering from a XXXX and can not be under any XXXX  and this is causing much XXXX in my life
Consumer complaint received 2017-08-15
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. (TX)

I submitted evidence to Experian and XXXX on XX/XX/XXXX in regards to an obsolete account with XXXX XXXX XXXX XXXX  for a secured loan obtain in XXXX. I contacted the Mississippi Attorney General Office in regards to the state statue regarding delinquent accounts and collections practices. I complied with all the state guidelines in requesting verification information from this creditor ; however, this creditor fail to provided the required documents within the 30 days allowed. Once I received this information it was not accurate nor had all the requested documents to provide proof that XXXX XXXX the new proclaim holder had the right to collect this debt. I responded to XXXX XXXX letter dated XX/XX/XXXX however I received it XX/XX/XXXX ( envelope show postal date stamp XX/XX/XXXX ) which was beyond the 30 days from the receipt date of XX/XX/XXXX ( certified receipt included ). Reviewing the attached documents will show XXXX XXXX XXXX XXXX aka XXXX XXXX has fraudulent changed data on my report after I made them aware of Mississippi laws that they were not in compliance to. I received a letter on XX/XX/XXXX from XXXX XXXX, Compliance Officer stating the account is now noted to stop all collection actions based on this law ; however, she fail to compromised by deleting this account as stated in my request because XXXX XXXX and XXXX XXXX XXXX violated my rights as a consumer. Reporting inaccurate information for the previous 4 years and attempting to collect on a debt that is not allowed by Mississippi state statue from 1 year of foreclosure. This account was never classified as foreclosure but a charge-off and business loan until now. This account should be deleted because of the non-compliance acts this bank has taken against me in collection practices. See attachment for further detail and documentation proof. The credit bureaus fail to evaluate my evidence but appeared to believe the bank after they alter information that was inaccurate for years.
Consumer complaint received 2016-11-01
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAVALRY INVESTMENTS, LLC (CA)

Prior to receiving Earning Withholding Order ( Wage Garnishment ) from this law firm, attorney for : CAVALRY SPV 1, LLC also showed as plaintiff sent a letter to my office where I am a XXXX. As a result of this, my office contacted me to response to this matters. Since I have no knowledge to this issue nor who the originator / party involved. I am hereby request for your assistance as I strongly felt this is a false claim and possibly identity debt.
Consumer complaint received 2017-07-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Credit Network Inc (MS)

To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Consumer complaint received 2017-07-21
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: Experian Information Solutions Inc. (CA)

We were contacted by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX about unusual activity on " my '' accounts - I never created any accounts. We are now in the process of attempting to work through identity theft. In so doing, upon asking for our credit reports, we found many we NEVER requested or approved : XXXX XXXX XXXX XXXX Trying to contact such entities is 'difficult '. In the latter part of XX/XX/XXXX Credit cards were secured by whoever stole my identity and a balance transfer was in process for {$6200.00}. Thankfully, the security person at XXXX XXXX felt something was wrong and contacted me through my wife 's cell phone number. On XX/XX/XXXX a home loan mortgage was applied for, we do not know where. We found this out by a solicitor mailing us an offer of a loan, beginning with something like " you applied for a home mortgage on XX/XX/XXXX ... '' We do not know how to find out where this application was made. XXXX ( XXXX XXXX XXXX, XXXX ) is the solicitor, we are in the process of formally contacting them in an attempt to find out how they know about the mortgage application and who the application is with.
Consumer complaint received 2017-07-21
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: EQUIFAX, INC. (CA)

We were contacted by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX about unusual activity on " my '' accounts - I never created any accounts. We are now in the process of attempting to work through identity theft. In so doing, upon asking for our credit reports, we found many we NEVER requested or approved : XXXX XXXX XXXX XXXX Trying to contact such entities is 'difficult '. In the latter part of XX/XX/XXXX Credit cards were secured by whoever stole my identity and a balance transfer was in process for {$6200.00}. Thankfully, the security person at XXXX XXXX felt something was wrong and contacted me through my wife 's cell phone number. On XX/XX/XXXX a home loan mortgage was applied for, we do not know where. We found this out by a solicitor mailing us an offer of a loan, beginning with something like " you applied for a home mortgage on XX/XX/XXXX ... '' We do not know how to find out where this application was made. XXXX ( XXXX XXXX XXXX, XXXX ) is the solicitor, we are in the process of formally contacting them in an attempt to find out how they know about the mortgage application and who the application is with.
Consumer complaint received 2017-08-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Company (PA)

I received two calls with in 2 minutes and then another one les then 30 minutes later just today and at least 4 times a day any given day.I will receive 3-5 calls more before the end of the day. They leave pre recorded messages as well that cuts off so you do n't know the name of the company. The phone number that is calling all day is XXXX. When I told them that they are calling too much and I was reporting them the lady laughed at me. It 's for medical that I 'm disputing at his time so they should n't even be calling me. Their collection efforts are abusive at his point and need to be stopped.