davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau (IL)

Medical Business Bureau sent me a bill for {$93.00}. I did not recognize the bill and did not believe that I owed the debt. I requested in writing validation of the debt, I also followed up with a phone call. This company has never provided written verification of the debt. They are violating the Fair Debt Collection Act, which requires them to provide debt verification after a consumer requests it. Medical Business Bureau is violating this act by refusing to provide verification of the debt. The act states : " the collection agency must send you proof that it owns or has been assigned the debt by the original creditor. Verification that you owe the debt and the amount of the debt needs to include documentation from original creditor. '' I never received this.
Consumer complaint received 2018-01-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (PA)

I got a call from Transworld Systems today ( XX/XX/18 ) asking me to verify my wife 's date of birth and address. While I do have some debts in collection currently, we had not received anything from them in the mail. Also, I asked 3 times if they were debt collectors, and they refused to answer. They just said that were calling about a business manner. The number they called from was XXXX.
Consumer complaint received 2018-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello All, XXXX  Report I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX
Consumer complaint received 2018-01-31
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: BRite Financial Services, Inc. (WI)

My car note is paid biweekly, and my last payment was due on last Friday XX/XX/XXXX. I called to notify Brite financial on their customer service number the same day and left a voice mail and that I would be making a payment on Friday XX/XX/XXXX. I have been receiving calls every day at home at work and my cell. This Morning the phone call came at XXXX XXXX. Advising that I was in jeopardy of being in default on my loan for being late ( 5 ) days? I advised the customer service representatives that I spoke with at least once a day. Today it was twice they called, but XXXX XXXX is not ethical or legal. I have a phone log that a call was received by them at this time. I have also attempted to make payment arrangement, to which I was denied because I am ( 6 ) days and they continued to threatened repossession of my vehicle.
Consumer complaint received 2018-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Hi, In XXXX I applied for a Bank of America XXXX XXXX credit card. I got rejected ( I have the letters to prove it ) and forgot about it. I received some mail and email form BOA that was promotional and feedback on the application process. However, I went to check my credit score and it turns our BOA had opened that account for me and is trying to charge me {$75.00} ( the annual fee for the card ). I don't have the card, an account number, username, or any other info to even close the account. I've reached out to BOA but have not gotten a response.
Consumer complaint received 2018-02-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (TX)

XX/XX/XXXX Account Closure notice email from Coinbase regarding XXXX. 
I removed all my virtual currencies. 
However, I am not able to withdraw the USD I have on their system. 

XX/XX/XXXX Begin the support ticket process. 
Multiple telephone calls. 
Asked to not open multiple tickets. 
Wait a couple months with no help. 

XX/XX/XXXX Call again, account escalation. 
No response, no progress. 

3 months pass and my USD is still tied up in Coinbase. 

All it would take is a simple temporary approval to add my banking information to remove it.
Consumer complaint received 2018-01-31
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (NJ)

My XXXX account closed on XX/XX/XXXX is being reported as late despite a clear mistake on XXXX part, I have never submitted a late payment to them. I paid the last invoice as soon as I became aware that there is a balance due. After successfully disputing it with XXXX they retaliated by reporting it late to XXXX  and XXXX. 
I reached out to them on XX/XX/XXXX and they assured me that they'll update the account as paid on time. I then reached out again on XX/XX/XXXX and was assured that it was submitted. When the report wasn't updated I called back on XX/XX/XXXX and was told that it can not be done. After being told that a supervisor is not available I requested a call and received a call from XXXX on XX/XX/XXXX. He left his phone number where to call back. I tried calling that phone number several times but was unable to get through.
Consumer complaint received 2018-02-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Real Time Group, Inc. (GA)

I got a personal loan from XXXX in XXXX allowing a lien on my XXXX XXXX XXXX. When I registered my car in North Carolina, XXXX received a copy of the title. In that state, the non-lienholder does not receive a copy of the loan. 

When I moved to Georgia in XX/XX/XXXX, I put down XXXX as the lienholder to contact for a copy of the title. XXXX never responded because they sold the loan to XXXX. Since I was notified in XXXX, I have been trying to get XXXX to get a copy of the title from North Carolina as directed by their DMV. 

Now at the end of XXXX, XXXX sold the loan to Real Time Resolutions. Since early XXXX, I have requested a copy of the North Carolina title or for this entity to request a copy. They keep saying they will send it, but never send it. It appears they have a copy of an old Maryland title, but not North Carolina. 

I am about to run out of time for my registration. My DMV refuses to allow me to renew my registration without a copy of this title. North Carolina can confirm that XXXX is on the title, but can not release a copy to me. 

I am not even sure if the lien was properly transferred to XXXX and now Real Time Resolutions. However, they are not responding to the DMV or myself concerning this matter.
Consumer complaint received 2018-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/ check number XXXX in the amount of {$240.00} was presented and NOT paid by Bank of America. On XX/XX/2018 a fee for {$35.00} was charged. 

On XX/XX/ the check was returned to the business. 

On XX/XX/ the check was presented and processed electronically. 

On XX/XX/, THREE FEES in the amounts of {$30.00}, {$35.00} and {$35.00} totaling {$100.00} were charged. 

On XX/XX/ the check was again returned. 

On XX/XX/ a fee in the amount of {$30.00} was charged. 

FIVE FEES totaling {$160.00} were charged for ONE CHECK-which was never paid by Bank of America.
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

The month of XX/XX/XXXX I discovered that Capital One had closed 2 of my credit cards due to Identity Theft that took place over the week of XX/XX/XXXX with fraudulent charges made, use of rubber payments to create more credit for them to use to make charges on my cards. Capital One closed these cards and reported it to the credit bureau 's as closed by them, but not for identity theft. I opened a fraud case with them which they have now closed stating it was not fraud, however it was. My SSN was stolen, I filed a police report with the XXXX Police Department in XXXX, NE. They did nothing in regards to my SSN or my credit cards being hacked into. 

It is VERY apparent that my cards were hacked into. However Capital One will not take blame for this, they will not reopen my cards, and they will no longer review this case as they have closed it apparently. I feel I have been failed by my local police department, the government, reporting bureau 's, and the credit card companies.
Consumer complaint received 2018-01-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC (OH)

I've been with this thieving company since 2013. Bad credit and a BK forced me to take their unconscionable terms for a car. The rate is abhorrent - they have only credited {$3500.00} of a {$16000.00} balance in 5 years. These people are vampires. I'm not even a month late and now they're back to the threatening tactics. I want this company to lose their license to make auto loans. They prey on people. It's disgusting.
Consumer complaint received 2018-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NJ)

I was hospitalized at the XXXX XXXX XXXX XXXX Hospital in XXXX XXXX, NJ from XX/XX/XXXX to XX/XX/XXXX for approximately 12 days. At the time, I had no insurance coverage. As a XXXX XXXX veteran, medical bill assistance was available to me. Additionally, the hospital had a program that enabled the forgiveness of all related debt for the hospital stay and treatment for which I qualified. Immediately after my hospitalization ended, I applied and was accepted into their medical forgiveness program. Within 120 days of my hospital stay, I received a letter from the hospital notifying me that the entire hospital stay and all related treatment debt had been forgiven. 

Approximately 9 months after my discharge from the hospital, I received a letter from IC Systems notifying me that I owed approximately {$6500.00} for an unpaid medical bill from the XXXX XXXX XXXX XXXX  Hospital of XXXX XXXX, NJ. I immediately called the hospital. During the call, I was told that I had no outstanding or unpaid medical bills. Further, the hospital spokesperson stated that not only was the information about the bill incorrect, but that the hospital did not use IC Systems to collect their delinquent debt. 

After I completed my inquiry with the hospital, I called IC Systems. Their spokesperson stated that she would look into the validity of the bill, but it was solely my responsibility to satisfactorily resolve the matter. IC Systems never followed up or acknowledged this telephone conversation. 

On more than one occasion, I have attempted to have this debt removed from my credit report with XXXX   and XXXX. The reply from both credit reporting agencies has been that the debt appears to be valid. I noticed today that IC Systems has changed the classification of the debt on the XXXX report to show that they are the lender and I am the " borrower '', as of XX/XX/XXXX. Clearly, that is an incorrect statement. 

The alleged debt is not valid. I believe that IC System, XXXX XXXX XXXX XXXX XXXX XXXX, MN is committing a fraud with the goal of collecting a fictitious amount at my expense. In the meantime, my credit score and family are suffering because IC Systems regularly modifies their notes to give the appearance of fresh or renewed collection efforts. 

At this point, I have been held captive by IC Systems for nearly 4 and half years!!
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (KS)

I would like to make a complaint on SYNCB/WALMART with an address of XXXX. XXXX XXXX XXXX Florida XXXX and an alleged balance of {$0.00}. This account violates K.S.A. 60-512 ( 1 ) and FCRA Section 605 XXXX c ) Re-aging the account. They have already sold this account to a debt collector and are failing to report it accurately. This account needs deleted under title 15 u.s.c. 1681 ( i ) and they have violated the FCRA and FDCPA according to the following codes. Kansas only allows five years to report for a written contract and this account was closed on XX/XX/XXXX and this account should have been DELETED on XX/XX/XXXX. 
1. FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by reporting negative information and this is a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX XXXX, NO. XXXX, XXXX XXXX. XXXX XXXX. 
Please investigate Syncb/wal-mart why they are reporting negative information with a balance after fiver years which is inaccurate and unverifiable information and needs to be deleted under title 15 u.s.c. 1681 ( i ). There are also now monetary damages issues concerning the negative reporting and the violations and fines of the FCRA and FDCPA which total {$1000.00} plus the extent of damages incurred by the wronged party as deemed by the courts for number 2.
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SUNTRUST BANKS, INC. (FL)

XX/XX/XXXX my wife and i filed chapter XXXX. We kept making our car payments and mortgage payments. We completed the chapter XXXX XX/XX/XXXX and we called Suntrust mortgage to ask them why our account showed {$0.00} balance, payments were not reporting since XX/XX/XXXX. I opened up a dispute XX/XX/XXXX and received a response today. They are not going to report to any bureau my never missed, never last payments to Suntrust. 
I called them today and they said it was a law that they can not do it. I am appealing you to allow Suntrust to report my 5 years of making payments and putting the correct account balance on all 3 bureaus.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

I would like to make a complaint on Portfolio Recovery Associates with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VaXXXX and an alleged balance of {$1600.00}. This account violates K.S.A. 60-512 ( 1 ) and FCRA Section 605 ( c ) Re-aging the account. This account was placed for collection on XX/XX/XXXX. This account was closed by XXXX on in XX/XX/XXXX and sold with a BILL OF SALE and no WARRANTY. The Kansas statute is K.S.A. 60-511 ( 1 ) Actions Limited to Five Years and K.S.A. 60-512 ( 1 ) Actions Limited to Three years which Portfolio Recovery only had three ( 3 ) years from the date of XX/XX/XXXX because they only had three years to collect. I wrote them a letter dated XX/XX/XXXX and requested a verification of debt with the BILL OF SALE since they are the debt purchaser but they never provided the bill of sale and how much they paid for the charged off insurance profit/loss write off. I have even included a letter from them dated XX/XX/XXXX where at the bottom they state the law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. There are also laws on how long they can report which they violated and they are the following : 1. FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by reporting negative information and this is a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX circuit, NO. XXXX, XXXX vs. XXXX XXXX. 
3. XXXX XXXX also violated Protection under the FDCPA because misrepresentations by the collector about themselves or the debt are actionable regardless of intent and the following case law of XXXX v. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) support this. This is also a fine of {$1000.00}. 
4. XXXX XXXX also violated FDCPA Section 809 ( b ) because they have never validated the debt I have disputed after the date of XX/XX/XXXX and this is a fine of {$1000.00}. 
6. XXXX XXXX also violated FDCPA Section 806 because the collection agency can not use any kind of harassment or abuse and he has abused me and my credit by reporting negative and inaccurate information on my credit report and this is also another {$1000.00} fine. 
7. Collection agencies if they do not validate your debt yet continue to pursue collection activity and this is a violation of FDCPA Section 809 ( b  ) and a {$1000.00} fine.
Consumer complaint received 2018-02-01
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: Bread Financial Holdings, Inc. (CA)

I recently received my XXXX report and I noticed there is a total of 4 credit inquiries made by XXXX XXXX on XX/XX/2018 in regards to 4 of my retail accounts. XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX. I do not recall authorizing these ( 4 ) credit inquiries. I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I have been a victim of a security breach and what that said I am requesting you initiate an investigation into these inquiries to determine how this inquiries were requested and processed. I ask that these inquiries be immediately removed from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, please send me written proof of this and a detailed explanation of how.
Consumer complaint received 2018-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

To Consumer Financial Protection Bureau : On XX/XX/XXXX - I received the documents from my bank denying me of a Modification due that I make too much money, on this document they sent me I make {$7100.00} a month, which is in-corrected I make {$27.00} an hour which a month would be {$4300.00} before taxes are taken. ( {$3200.00} after taxes ) ( they have copies of my pay subs ) I applied for the Modification and was deny both times. 

I pay for Child care that come to {$1500.00} dollars a month. Plus cost of living. 
Credit cards are max. 

I have been on top of all of the paperwork and still they deny me an opportunity, I have been making my payments on time, but {$2600.00} Dollars a month is a lot of money for a single mother And grandmother to do on her owe. 

I bought at the end of 2008 when the market crashed and dont know how I was approved, for the loan to be honest with you. 

I have also applied for Keep your Home California for the principle Reduction. 

Please HELP ME with all this Modification loan. I need an affordable housing, me and the kids. a payment that I can make, with out going hungry. 

I know its a choice to take care of Grand-kids, but I couldnt see them go to Foster care and, Not knowing where they would be, or have someone XXXX ; XXXX ; or XXXX  them. 
the parents are in XXXX and in XXXX XXXX. 
Let me know what else I can do on my end. 
Thank you very much.
Consumer complaint received 2018-01-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO. (IL)

I purchased a XX/XX/XXXXXXXX XXXX  account # XXXX which was finance with XXXX XXXX XXXX XXXX XX/XX/XXXX. later in XX/XX/XXXX I signed over the title and took a settlement offer to payoff the loan in full to XXXX XXXX XXXX this loan had been paid off but XXXX is still reporting this loan as if its late and I still owe money I was told by XXXX   confirmation # XXXX. I owe this company no money and I received my title I later signed the title over to XXXX XXXX I had no interest in the loan nor the vehicle after I signed it over I received the title and paid this loan off in full and the XXXX XXXX   company was reporting as if I wasn't making my payments or if I was behind on payments I took a settlement offer. This needs a removal of the account off my credit report with XXXX  this information is outdated and incorrect and needs immediately attention of removal this Loan needs to be deleted off my credit report. I have mailed supporting documents to XXXX to support my request XX/XX/XXXX
Consumer complaint received 2018-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo credit card I was authorize person, my name is already off from Wells Fargo but still appear as Im still authorize person in credit report. The one that has a credit line if {$17000.00}