davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (DC)

Hello, I'm not sure if I answered the correct pro-forma questions because I wasn't sure which of the categories my situation falls into. 

I recently had a collection appear on my credit report from the collection agency Radius Global Solutions. It's for a medical bill. I have no idea what this medical bill could be and have not been contacted by any of my medical providers for an amount similar to what Radius is asking. I had  some labwork done around the time Radius claims my debt was created, but my insurance company shows that the service was paid for in full. Also, I did receive a phone call from a collection agency several months ago about thousands of dollars of medical debt, but given that, to my knowledge, I had no outstanding bills I assumed it was a scam.

I can't get any additional information from Radius Global Solutions because they literally never answer their phone, and the voicemail is full. I have been trying for weeks to contact them about this mystery debt but every time I call the main line they tell me it's the wrong number and they give me the correct number. When I call the correct number it rings for hours and eventually gives me the option to leave a voicemail ; however, the voicemail box is full and so I can't leave a voicemail. So, when I try to contact their " quality assurance line '' I also don't get an answer and so I leave a voicemail ; however, after two weeks and several voicemails, I still haven't gotten a call back. On the last couple of voicemails I told them that if they didn't call back I would file a complaint with CFPB or FTC. 

This is affecting my credit significantly, I never received any mail or phone calls from any original provider notifying me of any debt, and the collection agency has yet to explain exactly where this mystery debt came from. 

Please help. 

Thanks you.
Consumer complaint received 2018-08-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MI)

I owed an amount much less that what this company is saying which is XXXX XXXX AND NOW THEY HAVE A THIRD PARTY ON ME XXXX XXXX  SENDING ME LETTERS AN CALLING BACK TO BACK. They have added alot of extra interest Plus money onto my last bill .please guide me in what to do Now. Ty
Consumer complaint received 2018-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

XXXX sold my loan as of XX/XX/2018 i received a letter middle XXXX stating such, They sold my loan to Specialized Loan Service LLC XXXX this company has not only never sent me any info, ,After many calls to XXXX XXXX i got the new loan number and just mail certified mail, Ive called for 5 days never to chat went on line like XXXX XXXX told to do to XXXX  sight says i dont have a account,, The rules state they suppose to contact me within 15 days of date new service. They did not. The complaints on ; line scare me, and 364.., They should be check out,, When i phone got code and said i have not paid XXXX payment ... I paid XXXX  this payment and have print out to prove this,,, ,XXXX XXXX got my loan XX/XX/2018 But wouild not even take a payment stating my account was not active///// ... Please help me i dont want the company to mess up my go credit,, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-03
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (MO)

I have this company this is repeatedly calling about a debt that I am unaware of. The call back to back, from out of state numbers then they call from local numbers. They leave constant illegal messages stating they are with either an attorney or the escalation supervisor and I have the same day to call before they will pursue the matter. I know this is in violation of the FDCPA and they can not threaten to sue via voicemail or unless they actually have intentions on suing. I have several messages on my phone still with them violating my rights. They have even falsely placed on my credit report that previously I had made payment arrangements thru my payroll at a job. All of this information is inaccurately being reported and I am being harrassed at this point
Consumer complaint received 2018-12-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

On XX/XX/2018 I sent a dispute letter to Equifax requesting that they validate information for the following items : XXXX XXXX and XXXX XXXX XXXX from a medical office that is reporting an unknown debt to their credit bureau. As a response to my request, Equifax have sent me letters stating that the information they are receiving from the above mentioned companies are accurate without providing proof in which I have asked for. I have also warned them as well as the credit bureau that this is a result in HIPPA violation and can result in me suing them due to releasing of unauthorize medical information. I have made attempts to reached out to both companies that are reporting the information, but have not receive a successful response. I took it upon myself to go to the location of the medical hospital that works with the two companies to ask for my signed release form to verify if I signed any paperwork that would okay them to release my information to a third party company such as a credit bureau. Unfortunately, the documents that are provided with this complaint does not state or show a signature of me agreeing to release anything dealing with my medical information or records to any third party company. This is a complete violation of HIPPA and Equifax has to remove this information from my credit report or I will be proceeding with this issue in a legal matter resulting in suing their company. Please find enclosed a copy of the certified mail receipt of the letter sent on XXXX to Equifax as well as for XXXX XXXX and XXXX XXXX. I also have enclosed a copy of the HIPPA release form that does not state it to be okay to release any information to a third party.
Consumer complaint received 2018-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NY)

I helped my sister with her appartment by giving her my pay stubs cause she need a proof of income i never signed any lease or anything i explained this to the company hunter warfield and they sent me papers with a electronic signature which i never signed I told  them this is not me and it was forge documents and they still trying to get me to pay my sister debt
Consumer complaint received 2018-12-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BANK OF THE WEST (CA)

XX/XX/2018 To Whom It May Concern : Good afternoon! We have an existing loan with Bank of the West. The loan is for an RV. We are having problems with the RV and the factory agreed to exchange it to a new one. The dealership sent in the paperworks on XX/XX/2018. The bank lost the paperworks and was re-submitted on XX/XX/2018. 

The banks deadline for this Exchange of Collateral is on XX/XX/2018. As of today, it is still not done. We have been calling twice a week for an update. Everytime we call, the bank would say its not completed and would send an email to the Collateral Department to expedite. Bank of the West said they received all the paperworks from the dealership Banning RV and the factory XXXX XXXX. 

Please help us to resolve this issue. Thank you very much. 

Sincerely, XXXX and XXXX
Consumer complaint received 2018-07-25
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 — Was not notified of investigation status or results
Company: Risecredit, LLC (TN)

XXXX 's client XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for a cash advance loan with XXXX   XXXX. The loan was obtained on or around XX/XX/XXXX, the amount of the loan is {$3500.00} dollars. An official dispute of this loan was faxed to XXXX  XXXX by this office XX/XX/XXXX. Rise contact my client XX/XX/XXXX stating no police report was sent to the concerning the dispute of the loan. This office then faxed again to XXXX  XXXX the complete official dispute documents XX/XX/XXXX. Then XX/XX/XXXX my client stated '' XXXX XXXX '' from XXXX  XXXX ( his  phone number XXXX ext XXXX ) stated the fax was never received and the dispute was never made. My client then faxed his dispute documents himself to XXXX  XXXX and it was confirmed the dispute was received. 
As of this date XXXX XXXX has not confirmed the status of the investigation of the fraudulent account and the status of the dispute. This action is a violation of the FCRA since their action has gone beyond the 45 business day dispute time frame from the first fax of the dispute received XX/XX/XXXX and again XX/XX/XXXX.
Consumer complaint received 2018-07-24
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: JPMORGAN CHASE & CO. (AZ)

this issue is with XXXX XXXX. flight confirmation number is XXXX. they charged me for a flight that I did not take. I called and spoke a representative on XX/XX/XXXX that I couldn't make my outgoing flight. they tried to put me on a later flight but advise that I needed to get to my destination earlier. I would look into something else. they advise my return flight was still good. on sunday when I tried to check in to my flight it gave me an error I called and they advise my flight was cancelled. after speaking with 3 agents they said nothing they can do I would have to call back on Monday and speak with corporate so they can pull my call from Friday so they can refund me or put me on another flight. I called on Monday and they advise that they could not pull the call and that nothing can be done. I advised several times that there own agent on Friday said my return flight would be ok. I requested to speak with a manager they advised couldn't transfer me and that nothing can be done. XXXX XXXX has stolen my money and took advantage of my situation. I called to see what could be done and they advise that my return flight was still good. please help my get my money back that they took from me for a service that was not provided. thank you
Consumer complaint received 2018-08-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

XXXX XXXX and XXXX  XXXX reinserted a collection account on to my credit report from XXXX XXXX XXXX XXXX. I have investigated this myself in the past and the account was not able to be validate. I even drove out to the address listed on the credit bureau, sent letters an had pictures submitted to the credit bureaus that XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX was closed. I even drove out to the location. Ive contacted the state of Michigan for licensing and the company reporting name is not licensed as that theyre licensed under XXXX XXXX XXXX XXXX XXXXXXXX Further more according to FCRA law FCRA 611 ( 15 U.S.C. 1681I ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Which I received no such letter from either credit bureau. XXXX XXXX XXXX XXXX XXXX as they are now known and licensed under. At XXXX XXXX XXXX XXXX XXXX XXXX XXXX decides to reinsert this information after being closed down from previous address for how long? Mr XXXX XXXX, XXXX XXXX and equifax needs to address this situation. From what Im being told is the account is paid off and terms agreed to by XXXX XXXX XXXX XXXX of the harassing calls they made to my home that a pay for delete was verbally offered by there office. Which of course will be denied on there end.
Consumer complaint received 2018-08-28
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: Fidelity National Information Services, Inc. (FNIS) (TX)

ChexSystems continues to list fraudulent inquiries on my Consumer ChexSystems report that I have already notified ChexSystems were fraud. These inquiries did not start appearing until my wallet was stolen. Inside my wallet was my social security card, drivers license and even my email address. I did notify the police of this theft, and also created an FTC Identity Theft Affidavit which all consumer credit bureaus have as well as ChexSystems on file. Per the FCRA if you are victim of identity theft, and you present a identity theft affidavit to the consumer reporting company explaining the theft and they refuse to do clear any of the information you notified them of fraud. Then the company is knowingly allowing fraudulent information to be placed on my Consumer report. Let me list out some of the things ChexSystems has refused to block. 

1. Illegal Address reported by ChexSystems - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I have never lived at this address ever, and this has been listed on my FTC Affidavit. 
2. Illegal Address reported by ChexSystems - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. 
3. Illegal Inquiries that ChexSystems continues to allow and actually place on my consumer report themselves. The company continues to violate the protection laws put in place to protect victims of identity theft. Per the CFPB if you are victim of Fraud and you notify the company of this illegal activity and the company refuses to block such fraudulent information you can then proceed to arbitration. I will be pursuing an attorney to then contact ChexSystems. 
4. Illegal Inquiries - XXXX, XXXX XXXX - I have reached out to XXXX XXXX, and actually had XXXX  block XXXX XXXX Inquiries on My XXXX  Credit report. Therefore XXXX XXXX has been notified that I did not allow or authorize XXXX XXXX to access my ChexSystems Report ever. This is again fraudulent. 
5. I do not have to legally have any law enforcement officer sign anything as I have already reported the crime to the law enforcement agency. FTC is a government agency which reports the theft and crime network for law enforcement officers. Additionally ChexSystem has allowed XXXX XXXX to inquiry and XXXX XXXX XXXX, They allowed XXXX XXXX XXXX to inquiry three times, They allowed XXXX XXXX Inquiry to go through even after stating they blocked this inquiry. They allowed XXXX XXXX XXXX, which they stated they removed, they allowed XXXX at least 15 times, They have allowed XXXX XXXX, XXXX XXXX XXXX. I did not authorize any of these inquiries these are fraudulent as a result of my wallet being stolen. I already reported this as identity theft, I have already placed a security freeze on my report. Please place a fraud alert and block this information immediately. I am forwarding this to XXXX XXXX as well for follow up.
Consumer complaint received 2018-12-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/18 I opened an HSBC Advance online bank account. Shortly after, I have not been able to get access to this online account to transfer any money into it or do any other transaction. Since then I have called HSBC several times to have them resolve the issue with the online account. I have been put on very long holds up to 1 hour or more without any resolution. On one occasion, a representative took my number and told me that someone will call me back to resolve this issue. Nobody ever called since then. Subsequently, I have tried to close this account but have been unable to do so because again I am either being transferred or put on hold for a long time without any resolution. HSBC simply refuses to do anything. And I am sure, 30 days after my account opening they will begin charging their maintenance fees.
Consumer complaint received 2018-07-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BROKER SOLUTIONS, INC. (WI)

The debt is a mortgage. This debt was discharged in Bankruptcy Chapter XXXX in XX/XX/2017. Since then I have been in contact with two employees in the Mortgage Retention Dept. of New American Funding. I have also had monthly conversations with the company 's customer service representatives regarding this debt. I requested a deed-in-lieu from New American Funding to no avail. A deed-in-lieu would surrender the property and save the mortgagor time and money. They were unable to provide same as XXXX XXXX would not consider this option unless I filled out paperwork that was stamped " Loan Modification Application. '' I refused to apply for a loan modification on a loan that was discharged. New American Funding has agreed in telephone conversations and written correspondence that this debt was discharged and has been very sensitive to the laws and rules surrounding attempts to collect a debt that has been discharged. Until today. 
Today I received a call from New American Funding asking that I call them back. No reason was given. I called and the employee asked me to arrange to pay the balance due. I told her ( XXXX aka XXXX ) that this debt was discharged by bankruptcy court and she said that was the reason that the calls would now resume. I her that she was violating the law and either knew it or should know it and she repeated herself. I asked to speak to her supervisor and she said she would put in a request for him ( XXXX aka XXXX ) to call me-within 48 hours. I couldn't find out if she couldn't connect me or wouldn't. I made it clear that she/NAF was violating the law ( as I understood it ) by attempting to collect this debt. It feel on deaf ears.
Consumer complaint received 2018-12-03
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: EQUIFAX, INC. (CA)

I am a victim of Identity theft, I sent this company all the evidence that they needed to prove that I am a victim of identity theft and that accounts were fraudulently opened without my consent or authorization, I did not benefit with anything from this accounts opening, neither do I know who fraudulently opened this account. 
I sent this company my dispute on XX/XX/XXXX. But to my surprise, up to now this account is showing on my report. 
For YET another time, this account is fraudulent and I need deleting from my report file asap : XXXX XXXX XXXX Account REF # XXXX, Original Balance {$7000.00}, Date Opened -XX/XX/XXXX I am looking at filing a lawsuit against this company if they continue to ignore my disputes and remove this fraudulently opened account from my credit report. 
I have enclosed herewith 1. Identity Theft Report 2. Proof of identity 3. Section 605B of the Fair Credit Reporting Act
Consumer complaint received 2018-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of Identity theft, I sent this company all the evidence that they needed to prove that I am a victim of identity theft and that accounts were fraudulently opened without my consent or authorization, I did not benefit with anything from this accounts opening, neither do I know who fraudulently opened this account. 
I sent this company my dispute on XX/XX/XXXX. But to my surprise, up to now, this account is still showing on my report. 
For YET another time, this account is fraudulent and I need deleting from my report file asap : XXXX XXXX XXXX : Account REF # XXXX, Highest Balance {$7000.00}, Opened Date - XX/XX/XXXX I am  looking at filing a lawsuit against this company if they continue to ignore my disputes and remove this fraudulently opened account from my credit report. 
I have enclosed herewith 1. Identity Theft Report 2. Proof of identity 3. Section 605B of the Fair Credit Reporting Act
Consumer complaint received 2018-12-03
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: Experian Information Solutions Inc. (CA)

I HAVE A ACCOUNT FROM XXXX XXXX ACCOUNT NUMBER XXXX BALANCE IS XXXX I ALSO HAVE XXXX XXXX ACCOUNT NUMBER XXXX BALANCE IS XXXX, I MAILED A DISPUTE AND HAD RESULTS AS DELETED BY XXXX  AND XXXX  BUT EXPERIAN IS NOT REMOVING THE ITEMS, I ALREADY GOT A LETTER FROM THE COMPANY STATING THEY ARE REMOVING FROM THE CREDIT REPORTS, PLEASE HELP. ITS ONLY EXPERIAN WITH THE NEGITIVE ITEMS
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I applied for Citi Bank AAdvantage Platinum Select World Elite card in XX/XX/2018. When I applied the AD said as follows : They claim in AD if following conditions are satisfied then I get XXXX bonus miles after spending {$2000.00} in first 3 months and XXXX after making a total of {$6000.00} in purchases in first 12 months of account opening. Unfortunately I spent more than {$11000.00} because of there luring AD and see any other conditions posted under their disclosure and was never told on the phone. So I thought it is good deal in my Senior years and I can use this mileage for my vacation but later I saw it was never awarded to me and I was shocked. 
I called them about their misleading practice and not being transparent but all they made vague argument via letter as follows : Special offers are not allowed if account is approved or closed in 24 months. But honestly I did not see in their AD Disclosures. The copy of which is pasted below. If it is hidden somewhere to me that is fraud and deliberate lack of transparency.. I would like you please resolve this issue that is fair to me. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - CITI ADVERTISER DISCLOSURE Partner Offer Citi / AAdvantage Platinum Select World Elite Mastercard Good to Excellent Credit  Recommended ( XXXX )? 


at Citi 's Secure Site Intro Bonus XXXX miles Earn up to XXXX American Airlines AAdvantage bonus miles : XXXX AAdvantage miles after making {$2000.00} in purchases in first 3 months and XXXX after making a total of {$6000.00} in purchases in first 12 months of account opening* Reward Rates 2X 2 AAdvantage miles on eligible American Airlines purchases* 2X 2 AAdvantage miles for every {$1.00} spent at gas stations* 2X