davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (AZ)

From XXXX to XXXX I had been placed in a trial periods every three months. US Bank had been redlining my loan for 3 years and accepting my payments during this time. I also received every 3 months, threatened with foreclosure. Not only did I continuously make the reduced payments to avoid foreclosure, I had to obtain assistance from local FHA/Foreclosure Agencies in order to save my home. I now find out that there has been placed an additional 2nd lien on my home for {$34000.00}. This is capitalized interest, yet they are unable to tell me the interest rate, how they came up with this amount, nor do they want to provide me a pay history since inception of my loan. They also discriminated against my race/ethinic status and denied the modification for 3 years, capitalized on the interest. US Bank still will not release a payment history from inception XX/XX/XXXX to current.
Consumer complaint received 2018-08-11
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ameritech Financial (AK)

I paid a monthly amount to Ameritech Financial thinking it was going towards my student loan debt, unfortunately it wasnt. Every service they provided me I was already doing on my own, I honestly thought my low monthly payments was paying my student loans. The monthly payment was for their service, and Im really disappointed because i didnt call them or talk to them them and I still got got charged monthly service fees. I cancelled with Ameritech Financial, asked for a refund and would not give me it.
Consumer complaint received 2018-08-21
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: Credit Karma (MI)

Companies Involved : Credit Karma, XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX Collection Agency, XXXX/XXXX/XXXX My credit report was obtained via CreditKarma by someone using my SSN, Name, DOB and other information - This account was set up with email address XXXX and my credit report was fraudulently obtained by someone else on XX/XX/2017. CreditKarma does not have a phone number where I can report this fraudulent activity or speak with someone about what information was given out on my credit report and accessed by someone else. The Credit Karma information was then used to open a XXXX XXXX account on XX/XX/2017 ( one day after obtaining my credit report ) in my name and SSN and previous address. The XXXX XXXX account number is XXXX - which was not paid and then sent to collections for {$6000.00}. I realized this account was on my credit reports and attempted to dispute this account and all charges associated. All three credit reporting agencies have denied my requests. XXXX XXXX XXXX - XXXX XXXX Collection Agency / XXXX XXXX Fraud Claim - XXXX. XXXX XXXX denied and completed by fraud claim ( # XXXX ) without contacting me. In order to speak with a fraud agent, I have to wait on hold for 30+ minutes. I have sent the police report to XXXX and am waiting for them to remove the account from my credit report. This XXXX account was apparently able to be created because Credit Karma provided ANY or ALL of my personal information to another person - which they used to fraudulently verify MY identity with XXXX.
Consumer complaint received 2018-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

I sent the following HIPAA letter to Bull City Financial Solutions : Dear Bull City Financial Solutions, After viewing a copy of my credit report, I noticed two collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 


When they responded they did not supply me with validation but clearly stated verification. They highlighted numbers on the paper and showed proof that they had knowledge of what procedures I had done and on what dates with what provider. I believe this is a violation of my HIPAA rights and they should not have this information.
Consumer complaint received 2018-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC (TN)

I have made a complaint agains PMAB LLC with the credit bureaus as well as the CFPB about a debt that is not mine. The first complaint they said they sent something in the mail to me i have not received. Second i sent in a validation request on the account. I mentioned to them that if it is being reported to the credit bureaus before i validate it i would file a complaint. Well here goes that complaint. They removed it from my credit reports and then not to long after they told CFPB they sent me something and CFPB closed the account they re-inserted it back on to my credit report. I did not have a chance to validate as i don't have what they claim they sent me.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (OH)

I was paying down a balance on my Synchrony Card and had {$660.00} left to pay off from items purchased at HH Gregg. My monthly minimum payment was {$25.00}. Each month, I paid {$60.00} to pay off the balance more quickly, not realizing that the additional funds were not being put towards the principal. My XXXX statement indicated that over {$800.00} had been added to my account as deferred interest, although I had been paying over the minimum amount due. Nowhere on the statement does it state how much per month needs to be paid off to avoid deferred interest. My balance is now over {$1500.00}. Upon seeing our statement, I immediately called the company to pay off the actual amount owed ( {$660.00} ) and have the deferred interest removed. They declined and would not offer any sort of compromise. This is predatory lending and we are now being charged more than double for items purchased.
Consumer complaint received 2018-07-18
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. (MA)

XXXX XXXX XXXX shows the credit limit was {$550.00}, I show that the credit limit was {$400.00}. This is incorrect on the company 's part
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

EXPERIAN REPORTING THE ERROR XXXX XXXX XXXX XXXX Please REMOVE the reported non-compliant claim from the data furnisher of XXXX XXXX XXXX XXXX for account # XXXX, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # XXXX  lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards.

ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
Consumer complaint received 2018-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Hello, In XX/XX/XXXX I went to purchase a car. There I found out I had someone, a company trying to collect {$1100.00} for services I did not receive at the XXXX XXXX XXXX XXXX. 
- On my Trans Union credit report it said XXXX XXXX with the original creditor of XXXX XXXX XXXX XXXX ( XXXX ) is Billing me {$1100.00}. 
- I First filed a dispute with Trans Union on the beginning of XX/XX/XXXX. 
- I received a reply from Trans Union on XX/XX/XXXX with results VERIFIED AS ACCURATE AND UPDATED.?? 
- I then started doing some investigating. 
- I googled XXXX XXXX XXXX and called first number ( XXXX ) XXXX on webpage it was XXXX in XXXX XXXX, Fl. 
- I called the number ( XXXX ) XXXX on bottom of page for the President/CEO. It led me to a answering machine which I got another Number ( XXXX ) XXXX for ( Provider Services ). 
- I called this number and talked to XXXX who was very helpful. 
- XXXX researched my info SS # Birthday and name for the bill. She was able to identify the bill but she said the B-day did not match. 
- XXXX gave me the account number of bill ( XXXX ) and date of service XX/XX/XXXX, Place of Service ( XXXX XXXX XXXX XXXX ) and who the debt was sold to ( XXXX XXXX XXXX ) who is affiliated with XXXX XXXX. 
- I then contacted XXXX XXXX who is trying to collect from me. I told them I have lived and am serving in the XXXX XXXX XXXX in XXXX Ohio since XX/XX/XXXX and have been no where near the florida keys. 
- XXXX XXXX then offered to clear my debt for {$600.00}. I declined the offer. 
- I then Called Trans Union and filed another dispute with information I found out from XXXX at Provider Services. 
- I then called the XXXX XXXX XXXX XXXX ( XXXX ) XXXX and talked to the billing departement. 
- A couple of different times talking with XXXX  I was transferred to the Physicians Billing Department named ( XXXX ) ( XXXX ) XXXX - Talking with a couple of different Reps at XXXX and them searching for the bill at question they found / concluded they have no record of the bill due to the only started billing for XXXX XX/XX/XXXX. The Month after the date of service. 
- Both reps and a Supervisor tried to find the company prior to them for me to contact with no luck. They could not find who billed prior to them for XXXX. XXXX has no name as well.
Consumer complaint received 2024-10-04
Product: Credit reporting 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. (FL)

In accordance with the fair credit reporting act the following accounts has violated my rights : 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-07-18
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. (SC)

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX  Re : XXXX XXXX XXXX XXXX .

Attn : Dispute Department, I am writing to dispute the following information contained in my credit file. I circled the item I dispute on the enclosed copy of the credit report that I received.

The following account, XXXX XXXX XXXX XXXX. is listed as being 30-59 days late. This is inaccurate because I have never paid 30-59 days late.

I purchased a XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX from XXXX XXXX XXXX XXXX. I made timely payments to XXXX XXXX XXXX  beginning XX/XX/XXXX through XX/XX/XXXX, and have never paid 30-59 days late. After making 12 timely payments on theXX/XX/XXXXXXXX XXXX XXXX, I upgraded to a XX/XX/XXXX XXXX XXXX XXXX purchased from XXXX XXXX XXXX  of XXXX on XX/XX/XXXX.

I contacted XXXX XXXX XXXX XXXX XXXX XXXX., on XX/XX/XXXX. I spoke with XXXX, a representative at XXXX XXXX XXXX XXXX XXXX XXXX. Customer Service Call Center, regarding the negative listing being reported on my credit file by XXXX XXXX XXXX XXXX   .

She advised me that they were reporting the 30-59 days late payment accurately. I advised her of the new car purchase on XX/XX/XXXX, and XXXX XXXX XXXX of XXXX had paid off the XX/XX/XXXX XXXX XXXX XXXX. She then stated that according to their records, a check was received from XXXX XXXX XXXX  of XXXX on XX/XX/XXXX to pay off the XX/XX/XXXX XXXX XXXX XXXX. She advised me to dispute this matter with the credit bureaus.

Below is the account information on the XX/XX/XXXX XXXX XXXX XXXX : Account # XXXX Purchase Date -XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX  VIN # XXXX Lienholder XXXX XXXX XXXX XXXX I am submitting a letter from XXXX XXXX XXXX of XXXX as proof acknowledging they are fully responsible for the 30-59 days late pay off and not me. Therefore, XXXX XXXX XXXX XXXX. should no longer report this inaccurate information to Equifax.

Please correct this accounts inaccurate, negative status listed as 30-59 days past due, to a positive status such as Pays as Agreed, immediately and send me an updated copy of my credit report reflecting this correction.

Sincerely, Enclosures : Copy of credit report Letter from XXXX XXXX XXXX of XXXX
Consumer complaint received 2018-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have realized that there are multiple credit inquiries on my credit report all three and a XXXX   credit card that I did not apply for. I disputed the inquiries and go a same old letter stating the inquiries are factual. There is no way these are factual unless these companies can provide a signed documentation with my signature on it which they do not have. Internet fraud is one of the hottest situations today. These companies need to go back to applying for credit in the store where faces can be seen. XXXX aka firestone do not have a signed credit application on file. Anybody can create a online account if they have your information. I will be putting a security freeze on my credit. These are the unauthorized inquiries : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX BANK NA Inquiry : XX/XX/XXXX Contractors ( XXXX ) XXXX XXXX XXXX BANK NA Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX BANK NA XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX CARD Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX BANK XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX BANK Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX CO DUAL CARD Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX BANK XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX DC Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX These inquiries and XXXX is ruining my credit tremendously. I do not even own a vehicle so I would not have a reason to apply for a XXXX card.
Consumer complaint received 2018-08-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO Bank, N.A. (IN)

Dates, amounts and actions : On XX/XX/XXXX I got a mail notice about an overdraft. I opened the account online and was appalled to see the bank had charged me overdraft fees against a positive balance that put me in overdraft and then proceeded to charge me daily overdraft fees against the overdraft they caused. There was no attempt made by the bank to reach out. The negative balance got deeper and then my insurance company made drafts against negative balance of which {$36.00} per draft was charged while the {$7.00} daily fees continued. 

The total of the overdraft came to {$250.00} of which {$290.00} were overdraft and services fees charged in a 20 day time period. 

I talked with XXXX XXXX at the XXXX Customer Contact center of BMO Harris Bank. This was on XX/XX/XXXX at or around XXXX. I have been a customer at the bank since XX/XX/XXXX. He proceeded to lecture me on the overdraft. I have never seen a daily overdraft fee. I asked him when the bank had put this policy in place as I never would have agreed to it. He claims the policy was put into place when I opened my account 18 years ago. 

I asked him if he had paper proof of that, and all he responded with was I can show you the current terms of your account. Frustrated with the apparent disregard they had for customer relations and the attempted dressing down from a person who wouldn't give his last name, I hung up. I'm XXXX Years old. I didn't intend to get emotional, but the attitude and wanton disregard for the past 18 years of being a customer put me into overdrive. 

This is just flat out robbery by another name. Overdraft fees, on top of daily OD fees, on Top of Overdraft fees as in the Punishment will continue until morale improves. I have wired enough to cover the overdraft, but the best out come for me is that this go as public as possible. A bank can only be as good as the service they provide and they all provide some variation of the same service. We bailed them out 8 years ago via tax payer dollars and then govt borrowing as the Fed printed up trillions to make their balance sheets whole again. Not one of them went to jail and now they rob us blind with apparent impunity. 

I realize with your budget cut, your ability to reach out is limited. I thought I would give it a try.
Consumer complaint received 2018-08-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC (TN)

On XX/XX/2018 I called XXXX XXXX to withdraw any ACH I had signed with them. The reason being- I will be paying them from another account, which I expressed to the company. She told me no problem and they would no longer withdraw. I log into my account on Monday, XX/XX/2018 and have a withdraw of XXXX from XXXX XXXX. I received no e-mail, phone call, nothing- even to warn me of this charge to my bank account. I have also filed a dispute with my bank.
Consumer complaint received 2018-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

I have been getting phone calls from this collections agency that have escalated recently, about a debt/account that is in my credit file/report at the credit bureaus that I have repeatedly told this agency is not mine. I have never been to XXXX XXXX XXXX, nor have I received treatment from this organization. I have tirelessly told this collection agency this fact, but they still keep contacting me. This collection agency has even gone as far as to offer me a settlement, even though I told them this debt is not mine and that I have no idea what they are talking about. It even got to the point one time when I gave an amount of what I can settle for, because I was thinking that if I did this, it would cease the phone calls in which I state over and over, what seems to be in vain, that the debt is not mine. However, after thinking it through I knew it was wrong and that this company is taking advantage of me, especially after the one representative stated that he would put me on hold to see if his supervisor would agree with my offer, only to have the same representative come back on the phone in an obvious disguise of voice ( as " the supervisor '' ). This collection agency would call from multiple area codes, as a way to further deceive me. This collections agency has even gone as far as to call me from an area code that is the same as my employer, possibly as a way to get me to answer. I am filing this complaint because I have never been a patient of XXXX XXXX XXXX, and this collection agency has placed a debt on my credit report for XXXX XXXX XXXX that should not be there and was incurred fraudulently. Furthermore, this complain is because this collections agency is not considering taking steps to address the situation of this debt not being mine nor are they concerned that they are harassing me for what is definitely identity theft. Instead of fixing the problem, they just want to extort money, at the expense of a consumer.