davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I purchased my home in 2002 and I have been experiencing major problems with trying to modify my home loan after I was laid off of my job. I have submitted documents over and over again to get a modification, but I was denied time and time again. Please help me with getting a loan modification because I know I will have another foreclosure date next month.
Consumer complaint received 2016-11-09
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (NJ)

Our son was taken to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2012 as an ER visit. We had insurance through XXXX XXXX at the time and the hospital failed to submit the claim to our insurance company, and has been asking us to pay out of pocket for the services even though the services were covered under our insurance. XXXX says they submitted a claim for {$1200.00} to the insurance company, and when I asked XXXX to explain to me why it was denied, they could n't provide a reason other than simply saying that it " was n't paid '' ; I believe it " was n't paid '' because it was never sent out not to mention that XXXX has no record of this claim amount for XXXX 2012 for our son. 

My husband I followed up numerous times with the hospital asking them to resubmit the appropriate paperwork to the insurance and they never sent the claim to the insurance, even though they reassured us they had. We tried everything possible to get the XXXX parties connected and appropriate documents sent over, but we are the middle men. I spoke with XXXX at XXXX today, and she confirmed that the only claim they received for our son for services in XXXX 2012 was a claim totaling {$670.00}, of which we were responsible for {$250.00} ( {$220.00} deductible amt + {$30.00} co-pay ). XXXX does not show any claim for {$1200.00} ; therefore it was never sent/received.
Consumer complaint received 2016-11-09
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I applied for a Bank of America BankAmericard. I received the card in the mail and activated it. I then tried to use my card at XXXX restaurants and it was declined XXXX times. I called Bank of America and I was told this problem was corrected and all holds or blocks had been removed from the card. I tried to use the card once more and it was declined again that is when I placed my second call to Bank of America and they assured me it was because I was trying to use my card in XXXX and my home address is XXXX I then tried to use my card in XXXX and it was declined again for the XXXX and XXXX time. I called again and spoke with a CSR and was told they flagged it as fraud and again told all blocks and hold had been removed from my card. I tried to use the card with the CSR on the line and it was declined again for the XXXX time. The CSR then asked me to hang up and she would give me a call back and I never received a call back. I called again on XXXX/XXXX/2016 and spoke with someone named XXXX in the Fraud Department he told me that he had the ability to see more of my account than the CSR did and he said the card had been reset and was ready to use. I tried to use the card after this and it was declined for the XXXX time. I have called Bank of America 6 times and have not gotten a resolution to my card being declined.
Consumer complaint received 2016-11-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (FL)

Midwest Recovery Systems XXXX XXXX XXXX XXXX submitted a collection account XXXX for {$690.00} to my credit files with XXXX, XXXX, and XXXX on account that does not belong to me. I contacted the Florida Attorney General and explained the issue and was informed that this a time-barred debt in accordance to Florida statute and that I should receive notification of the validity of the debt from the debt collector. I have not received any notice and it appears that the debt collector is using tactics which violates my rights under the Fair Debt Collection Act. Please assist me in this issue.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter.
Consumer complaint received 2016-11-09
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alliance Collection Service (AL)

In my recent review of my credit report for XXXX/XXXX/16, I notice Alliance Collection service reporting account to XXXX reporting agencies. I request a total deletion under the FCRA. According to my understanding of the Fair Credit Reporting Act, their duty as creditors is to accurately report on all accounts and to correct any of all the mistakes as found by their accounting department of by myself as a consumer. I thank you in advance for upholding the federal law as directed by FCRA and removing these account immediately. 

Alliance Collection Service XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Acct # XXXX {$50.00} I have disputed these unknown accounts with the Collection Agency and they provided me with medical summary charges, they violated XXXX XXXX. I am able to send the documents as proof.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

Experian is reporting numerous inaccurate names and an irroneous BK on my credit report. My numerous attempts to have them remove it went ignored and experian told me to contact the furnisher the courthouse- who in turn responded in writing stating they do NOT reporting this information to any of the bureaus. So statement by experian is a LIE! I have then supplied proof from public search showing NON existance and NON accuracy of this account to experian who again ignored my request for deletion and I kept getting this -we will not reinvestigate your issue because we already resolved this- auto generated responces. this is rediculos and should not be tolerated The law states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is reporting numerous inaccurate names and an irroneous BK on my credit report. My numerous attempts to have them remove it went ignored and TU told me to contact the furnisher the courthouse- who in turn responded in writing stating they do NOT reporting this information to any of the bureaus. So statement by TU is a LIE! I have then supplied proof from public search showing NON existence and NON accuracy of this account to TU who again ignored my request for deletion and I kept getting this -we will not reinvestigate your issue because we already resolved this- auto generated responces. this is rediculos and should not be tolerated The law states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC (NJ)

The credit collection agency Credit Control LLC representing JH Portfolio has violated the FCRA by not providing documents to me in regards to this debt. Until   XXXX   XXXX   I was unaware of this creditor and upon finding out requested documentation through   XXXX   XXXX   XXXX   dispute. Upon not receiving the information requested, I contacted the  JH  Portfolio directly through the   XXXX   XXXX   XXXX   ( BBB ) complaint ID #  XXXX  on   XXXX   XXXX   XXXX   to remove this debt based on not being given the opportunity to dispute the debt in question.  JH Portfolio res ponded to my complaint on   XXXX   XXXX   XXXX   that they sent a letter to a previous address through Credit Control LLC since they are a passive debt collector and collect through external collection agencies. They attached a PDF of a letter supposedly sent on   XXXX   XXXX   XXXX    , however, I was unable to open the PDF.     Since they stated in their response to my complaint that Credit Control LLC is the collection agency responible for my account, I contacted Credit Control LLC on   XXXX   XXXX   XXXX    . I was told that Credit Control LLC is a third party collector for  XXXX   Portfolio therefore they d o not have any documentation. As such, this account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertains to this debt. If Credit Control LLC does not have any documentation other than the PDF JH Portfolio provided to the   XXXX    ( i.e. signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Consumer complaint received 2017-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

in  XXXX  or  XXXX  I went to   XXXX   XXXX   for a  XXXX  friday cell phone sale. I purchased a phone in   XXXX   XXXX   (  XXXX  account ) I was told there was a 14 day return policy which has always been the case for cellphone users. Within the  XXXX  I attempted to use the phone but the service was so horrible most of the time I could n't. Within the 14 days i returned the phone to   XXXX   XXXX   and the representative stated to account was clear. Later i get a collection noticed saying i owe  XXXX  dollars for something i no longer own and returned to the store. I Spoke with the collection agency and  XXXX  directly and explained I returned the merchandise and was told i did n't owe anything. I also returned to   XXXX   XXXX   picked up a copy of the return receipt, forwarded it to both companies and was still told I owe the debt some an item that barely worked and returned. The collection company is called  XXXX   XXXX   XXXX . Date opened is  XXXX   XXXX ,  XXXX
Consumer complaint received 2016-11-09
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TENET HEALTHCARE CORPORATION (AL)

In my recent review of my credit report for XXXX/XXXX/16, I notice Central Financial Control service reporting the same account to all XXXX credit reporting agencies. I request a total deletion under the FCRA. According to my understanding of the Fair Credit Reporting Act, their duty as creditors is to accurately report on all accounts and to correct any of all the mistakes as found by their accounting department of by myself as a consumer. I thank you in advance for upholding the federal law as directed by FCRA and removing these account immediately. 

Central Financial Control XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Acct # XXXX {$360.00} Acct # XXXX {$680.00} I have disputed these unknown accounts with the Collection Agency and they provided me with medical summary charges, they violated HIPPA law . I am able to send the documents as proof.
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I have been the victim of on gioing ID THEFT and have fraud items reporting on my credit report, I have enclosed supporting documents supporting this. Please remove the listed fraud items on the documents thank you Please correct my address to  XXXX  LA  XXXX   XXXX   XXXX  LA  XXXX
Consumer complaint received 2016-11-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmerAssist A/R Solutions, Inc. (CA)

XXXX wrongfully sent me to collections without properly contacting me and doubled the payment amount owed second complaint I XXXX XXXX XXXX am not the responsible party for financial payment
Consumer complaint received 2016-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

I applied for a standard XXXX loan modification from Chase Bank. My income as reported is {$4500.00} per month. I have XXXX. The bank has refused to acknowledge these facts. Chase awarded me a modification that was 42 % of my income.
Consumer complaint received 2016-11-09
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (FL)

I requested and received a payoff quote on my Hyundai XXXX lease in XXXX. The payoff was good through XXXX. I decided to buy out the lease, contact XXXX for the loan. XXXX and I followed the payoff letter instructions and the lease buyout amount of XXXX, XXXX was sent to and CASHED by Hyundai Motor Finance. 
Hyundai then sent the funds back to XXXX even though they cashed the check on XXXX XXXX, saying we could not buyout the lease in the manner that we did that I had to " go into the dealer. '' XXXX states that because they cashed the check, the loan funded and closed. So now we have to wait another 10 days before the money is refunded to XXXX. Once that happens, I have to pay additional money to XXXX to payoff the loan, then take out a second loan incurring additional loan fees payable to the state. 
On top of that, Hyundai is increasing the payoff quote, I have to make another payment to then instead of lowering my monthly as planned. 
Hyundai provided a payoff letter with instructions. We followed those instructions. They cashed the check from XXXX, creating a second lien on my vehicle which also cost me money. When I received an email that they were processing a payment, I called to have the payment stopped because they already received the payoff. It was only then that I was informed that they were refunding the payoff funds. 
I did in fact go to a dealer on the 4th to attempt to work this out. The dealer gave me a payoff quote of {$600.00} LESS than the original. Then when we called in, the payoff was {$40.00} MORE than the original. I feel like Hyundai did not properly provide payoff instructions, is not giving me a fair payoff quote now, is holding funds for up to two weeks, and as such is earning interest they should n't - while trying to collect as much on the payoff as they can. 

At this point, the funds are still with Hyundai, they are charging me more interest, XXXX can not do anything until Hyundai returns their funds ... And then I have to start all over.. at their dealer and pay a second loan fee to the state.
Consumer complaint received 2016-11-08
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Alliant Capital Management LLC (OK)

They have threatened me and I am not sure why, I have told them on several occasions that I will not verify my information due to past identity theft issues. the lady in the pre-legal dept proceeded to cuss me out and threaten me with legal action and jail. I did not verify myself so she hung up on me. I told her unless she can prove I owe this debt then to stop harassing me.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2016-11-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Cottonwood Financial Ltd. (TX)

Cash store calling 6 times a day on top of that cotton wood financial I guess is an affiliation calling my friends cell. Advised im a non profit payment plan. They did n't care was asked for me to have them send a letter. Family credit faxed them a letter still getting harassing calls they do n't want to release the loan to collections so they can still charge me outrageous interest rates.
Consumer complaint received 2016-11-09
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NH)

Paypal has a policy which states : If you provide tracking information ( XXXX ) and we can confirm delivery, your payment should be available three days after we can confirm the delivery date. 
o Pending payments are generally released three days after we can confirm delivery, but sometimes the delivery information takes a bit longer to update. If it 's been three days and your payment is still pending, the information is still processing and the payment should be available soon. Please note that pending payments ca n't be released before you meet these requirements. 

I have entered tracking information and delivery confirmation has been entered by XXXX as of XX/XX/2016. The buyer has not made any complaint or expressed any concern with his delivery. Paypal has not released my funds for transaction ID XXXX Instead they are saying they may " hold '' them for up to 21 days!!! For no cause or reason. Just because I 'm new at selling on Ebay. 
How many millions of dollars in customer funds may they be holding and earning interest on despite the fact that the seller delivered a product and the buyer received the product and there is no dispute? This seems completely predatory, arbitrary and lucrative for a company of this size handling as much money as they are. Please address this for me and millions of others.
Consumer complaint received 2016-11-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (FL)

I walked in to the Suntrust bank in XXXX XXXX XXXX, which was actually my birthday because I my father sent me some money to put down on my new car that I leased and also to collect the funds from some returns that were posted from XXXX, from my debit card issued by Suntrust and when the the returns posted to my account, I walked into to the branch to withdraw the funds and the teller informed me that they needed to verify these return and froze my account suspecting fraud. I felt that I was racially profiled and being accused of committing an act of fraud when none such incident occurred. I provided the branch manager with all the documentation supporting these transactions that could 've been easily verified by XXXX credit department themselves, but the bank still refuses to unfreeze my account and release my funds. I visited the branch multiple times and called customer service demanding answers and a timeframe but instead was given the run around. The manager at the Sun trust racially profiled me because of XXXX and assumed I was up to fraud when it 's actually the total opposite. I gave them everything they needed and they still refuse to unfreeze my account without any updates.