davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holloway Credit Solutions (AL)

Early XXXX I drove from XXXX, Alabama and visited the office of XXXX XXXX XXXX in XXXX Alabama. During the visit I requested a series of lab panels. I received the results of the panels but there were no results provided for a cholesterol panel that I had requested. I spoke with Dr. XXXX XXXX regarding the missing cholesterol panel and he responded that no cholesterol panel had been performed. Approximately two months after the visit I received a bill from XXXX XXXX XXXX for the cholesterol panel. I called the doctor 's office to discuss the matter and was told that the person who had been doing the billing was no longer performing the services. I was also told that an error had occurred and that the cholesterol panel had been done. I told the doctor that I had never received the results of the cholesterol panel and that I had found a new family care doctor to provide the needed lab work. Dr. XXXX became angry and demanded that I come to XXXX for the results. I spoke to the doctor office 's new billing manager to try to get the matter resolved on several occasions. She explained to me that the billing manager had been fired due to administrative problems specific to billing and they were having to write off a lot of accounts I also learned that there was a connection between the entity performing the billing and the collections agency, Holloway Credit Solutions at XXXX XXXX XXXX XXXX Alabama XXXX ( XXXX ) XXXX. In XX/XX/XXXX Holloway Credit Solutions submitted account number XXXX to the three credit reporting bureaus as an unpaid balance of {$40.00} related to the cholesterol panel that I never received. I filed disputes with each credit reporting agency. This item has been removed by all agencies except XXXX. I have contacted Holloway Credit Solutions and XXXX  to have this item removed because the services were never provided and are believed to be part of a scam. Also, I never received the services. Due to the numerous complaints filed regarding the billing the doctor cancelled his membership with the better business bureau.
Consumer complaint received 2020-08-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Recovco Mortgage Management, LLC (NJ)

Our closing date was originally scheduled for XX/XX/XXXX but we never received the clear to close from XXXX XXXX. We and multiple individuals on our behalf have been trying to receive an answer on what is delaying this process for the past 5 days and no one will return our calls.
Consumer complaint received 2020-08-19
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. (GA)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this alone. Please take these unknown items off my report XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX. XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX SM BUS ADMIN ODA.
Consumer complaint received 2018-08-07
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: BARCLAYS BANK DELAWARE (IA)

I WAS GOING THRU SOME OF MY OLD STATEMENTS AND FOUND A CHARGE I DID NOT APROVE. SO ON XXXX I CALLED XXXX XXXX  AT XXXX FOR CARD NUMBER ENDING IN XXXX I SPOKE WITH XXXX AND EXPLAINED THAT I FOUND A CHARGE ON MY CREDIT CARD FROM XXXX MERCHANT NAME WAS XXXX XXXX XXXX FOR {$2100.00}. AFTER EXPLAINING THAT I DID NOT GIVE THIS COMPANY MY INFORMATION AND DID NOT DO BUISNESS WITH THEM SHE PUT IN A FRAUD COMPLAINT AND THAT CASE NUMBER IS XXXX. AFTER A FEW WEEKS I GOT A LETTER FROM XXXX  STATING THAT THEY CANT HELP ME CAUSE IT EXCEEDS THE DATE IN MY TERMS AND CONDITIONS! IM SORRY BUT IM SUPPOSED TO BE PROTECTED FROM FRAUD AND HAVE FRAUD INSURANCE THIS IS NOT RIGHT!
Consumer complaint received 2018-01-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NY)

I filed a Demand for Arbitration with the XXXX XXXX XXXX in a matter with Netspend. Netspend’s cardholder agreement requires arbitration in matters of disputes. Netspend has failed to pay the required arbitration costs so that the case can proceed. Failure to pay these fees are a breech in the arbitration agreement.The XXXX XXXX XXXX case number for the matter XXXX vs Netspend is XXXX
Consumer complaint received 2020-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I ordered an item online from XXXX for {$98.00} w/free shipping.using my PayPal credit account. PayPal stated that they sent {$110.00} to a XXXX XXXX. I never received any order confirmation or any communication from the recipient of the {$110.00}. I have no idea who this party is that PayPal sent funds to or why amount is greater than item I ordered from XXXX. PayPal refuses to resolve this issue and wants me to pay PayPal Credit the {$110.00}.
Consumer complaint received 2020-06-01
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX {$110000.00} XXXX  XXXX {$110000.00} XXXX  XXXX {$25000.00}
Consumer complaint received 2020-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP (MI)

Congress Collection has failed to provide me with proof that I owe them debt of {$1400.00} even though I have requested this proof months ago and still have yet to receive it, now they have marked those collection accounts as late payments causing my score to decrease without ever verifying that I owe them the debt.
Consumer complaint received 2020-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XX/XX/2020 there was two payments taken out of my bank acct to pay my m ort at XXXX XXXX XXXX XXXX XXXX when bank of America was contacted they acknowledged that two payments was made and said that the extra payment would be credited back or applied to my XXXX m ort payment bother happened {$800.00} is the amount to be credited or applied to XXXX m ort payment moving forward nothing has happened to date concerning payment which is causing late fees please help XXXX XXXX XXXX
Consumer complaint received 2020-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

XXXX called me on XX/XX/2020 at XXXX XXXX PST. When I answered, the other line " rang '' and was picked up by " XXXX '' from " CCS. '' Refused to identify themselves as debt collector, but said " business matter. '' I said, " if this is a debt collector, do not call me again. '' He asked, " Why is that? '' I said because I don't have to answer any of his f*ing questions, and he said, " OOOOOOOoooooooooooo. '' I said, I will report you. XXXX said, " Ohhhhh kay, so what's my phone number then? '' I hung up.
Consumer complaint received 2020-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

Received a letter on XX/XX/2020 from IC systems stating I have a balance of {$450.00} from XXXX. On XX/XX/2020 I sent a certified letter requesting verification of this debt. I asked for various information such as name and address and All the information they have on the debt. I have not received any reply on my request, I have been told if they dont reply within five days the debt is no longer valid.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF THE WEST (CA)

On XX/XX/2020 I paid {$420.00} to XXXX but never got the designs promised. I placed a dispute on the card. I raised a dispute on this charge as I never received the merchandise which was promised, in fact the merchandise I have received is of no use. I had to hire someone else and pay them {$1100.00} to do the job. I spoke with XXXX of Bank of the west who is taking care of my dispute. On Monday XX/XX/2020 she asked me to provide her with all the documents which I did, and later she promised that if the promised merchandise hasn't been provided by the merchant and if I have hired someone else and paid them {$1100.00} she will provide me a permanent credit. I spoke her today and she said she will take another 50 days to give me a credit, what is this nonsense. 

I have attached all the proof against XXXX, this company has betrayed me and hasn't provided the merchandize and you are still taking side of this company. 

I want the matter to be resolved here otherwise I will go to court.
Consumer complaint received 2020-08-19
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-08-19
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. (TX)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-08-01
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. (AL)

This company is listing XXXX unverified public records on my credit reports. Your initial communication to me of the unverified public records was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-06-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

I refinanced my loan with Freedom mortgage in XX/XX/XXXX. In XX/XX/XXXX I received a notice stating there was a shortage on my escrow account. Upon review of my documents I found there was {$580.00} that was was withheld for taxes in escrow, and only {$250.00} was applied towards the new loan. In addition, there was 2 fraudulent fees charged to my account AFTER the close of escrow, and were not disclosed on my final closing disclosure. There was a {$170.00} recording fee charge ( this is a duplicate charge as the recording fee of {$150.00} was paid through escrow ) on XX/XX/XXXX, and a final {$190.00} charge on XX/XX/XXXX with no description just states " fee ''.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (GA)

I received a letter from SageStream. Who are they? Why are they contacting me and giving me a low credit score. Much lower than the three main credit reporting agencies. How are they able to do this and companies will use this score to deny credit or charge extra fees. I do not think that this is correct, and I feel that they exist to make money off of giving out this low balled credit scores. Where did they come from and how are they operating. I have never heard about them unti my husband and I have worked to get our credit score up way over 700 with the other credible reporting company. They then appear with this mess.
Consumer complaint received 2020-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (NY)

On Thursday XX/XX/2020 I made a payment via my card to a company that I've been making payments to every week since XXXX! I paid {$65.00} to XXXX of XXXX NY. The transaction was declined with more than enough money in my account and said it was declined for my protection. I contacted the bank via email at least times. Their is a number on the back of the card but they do not answer. Ive recieved a few emails back. Did not state where my money is or when it would returned to me. The 1st email stated that the money was returned to me on XX/XX/XXXX and that is not true. The money is not their still and I need my money back immediately
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

On XX/XX/2019 XXXX XXXX XXXX accessed my credit report without my consent. I filed disputes with Equifax and XXXX  to no avail. I have not lived in XXXX in over 7 years so there is no reason for this inquiry to be on my report for XX/XX/2019. 

XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America incorrectly reported my account in delinquency due to their own mistakes! The incorrect report ruined my credit score from XXXX to XXXX! Now I can't refi my house with good rate! BOA need fix my credit report ASAP, refund my fee or interest charges! 

I have Credit card form Bank of America. I missed the XXXX payment because I didn't receive the statement. I called and found that I was late for a payment. During the phone call, I tried to make full payment. First I used my debt card, after 10 minutes trying, the customers service told me their system had issue and couldn't take debt card. Then I gave her my checking information as she asked. While she was submitting my payments, the phone disconnected. I thought it's all done after 20 minutes with them. However, two weeks later, I received a notice that I've missed two payments and my credit limit was lowered from {$10000.00} + to basically nothing, {$500.00}. I called again and found out that the previous payment wasn't submitted properly. I made payment again over the phone. The worst thing is that My credit score is totally ruined when I just started to refi my house. 

thanks, XXXX
Consumer complaint received 2020-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Orion Portfolio Services, LLC (KY)

I had a credit card which I fell behind on around XX/XX/2019 due to a financial hardship. The credit card ended up being closed and sent to collections. I have since paid the credit card off and have attempted to have removed because I was under an impression it was a pay to delete. The account has been paid but it was never removed.
Consumer complaint received 2020-08-01
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. (PA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-06-01
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX | XX/XX/XXXX XXXX/XXXX  | XX/XX/XXXX XXXX/XXXX  | XX/XX/XXXX XXXX XXXX/XXXX  XXXX | XX/XX/XXXX XXXX  XXXX  | XX/XX/XXXX XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX   XXXX XXXX  | XX/XX/XXXX XXXX  XXXX  XXXX | XX/XX/XXXX These are illegal inquiries.
Consumer complaint received 2020-06-01
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. (CA)

CFPB DISPUTE RE : XXXX  XXXX XXXX credit card XXXX Account history : The account was opened in XXXX This credit card account was a joint account between my father XXXX and my mother XXXX. 
I was added as an authorized user to their account when I was in college. 

Death certificates for both of my parents are attached below : -Father XXXX XXXX SS # XXXX Date of death XX/XX/XXXX -Mother XXXX XXXX SS XXXX XXXX Date of death XX/XX/XXXX My legal name is XXXX XXXX XXXX XXXX My SS # is XXXX. My identity documents are below. I helped care for my mom and we shared the same address at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 


Overview of issue I need help addressing : I contacted XXXX  XXXX XXXX after my mothers death and was told that they wouldnt remove me from the account and process the account as a deceased account since both of my parents, the only liable parties, were now deceased. 

I felt forced to continue to make payments from my own account after my mom 's passing because I didnt want any late marks on my perfect credit. 

I have never signed a contract to be a liable party. I was always ONLY an authorized user.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I have a Victoria 's Secret Angel VIP card with a relatively small credit limit. I live in New York where we were ravished by the carnivorous pandemic. Unable to make it into the store to make a payment and an issue with the online payment system I received a few late fees and late reporting on my credit report. Considering all that has happened I am looking and hoping to have the fees reversed and late payment marks removed from my credit report. 

The CARES Act calls for agreements and accommodations '' between the lender and the consumer. I am asking a relatively modest request by waiting of late fees and negative credit reporting.
Consumer complaint received 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WOOD FINANCE INC DBA PREMIER ACCEPTANCE (IN)

I had an account with Premiere Acceptance and then I got a refinance loan with XXXX XXXX at a cheaper rate. The car was paid off in the transaction. I paid the account as agreed on a monthly basis. The account was recently posted to Credit bureaus from XXXX? Why is this just now being viewable on my reports??? The dates are false. Its XXXX! Also they would repossess the car if I was to be 120 days late. They have caused my credit score to take a big hit while I was in the process of purchasing a home. The account details reported are listed below. I want restitution from this creditor and my credit reports updated with this information updated with payoff and in good status along with deletion of derogatory status. 

Status Date Reported XX/XX/XXXX????? 
Payment Status 120 Days Late * ( I was never late, Made Monthly payments ) Account Details Bureau Name PREMIER ACCEPTANCE Account Type Auto Loan Responsibility Individual Original Loan Amount {$27000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX This was paid off by new loan with cheaper rate. These dates are wrong Payment Details Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Term 72 Months Payment Frequency Monthly ( every month ) Lender Info XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Remarks Closed. ****It was paid off in a positive status and not late*******