davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Collections Enterprise, Inc. (MD)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2023-11-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (CA)

This debt collector is not authorized to collect debt in my state. Additionally they have not provided me with proper debt validation for this allege debt and instead are making allegations. This is a violation of the FDCPA. They are disregarding the law and committing violations by doing so.
Consumer complaint received 2015-05-26
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Frederick J. Hanna & Associates, P.C. (closed) (GA)

XXXX XXXX, 2014, XXXX XXXX sent a letter to Frederick Hanna & Assoc. to settle my account with XXXX XXXX. They advised them to make direct contact with them and to seize contacting me. Well, a year later, XXXX XXXX has frozen my account and placed a garnishment against me. This is enabling me to pay my mortgage and resulting in insufficient funds against my account. Frederick Hanna & Assoc. have yet to contact my attorney through XXXX XXXX and are forcing me into bankruptcy. Are n't debt collector attorneys required to communicate with Legal representation on behalf of the consumers?
Consumer complaint received 2020-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (NY)

XX/XX/2020 I paid XXXX dollars I owed to credit management collection company. That payment was initially supposed to go to XXXX  XXXX  XXXX. I paid by money order and mailed it to credit management. I called XXXX  the day I mailed it to let them know. I told them my info, they gathered it and said fine. I called credit management about a week after I mailed the money order to see if they received it and they told me no they haven't. Waited another week called them and they told they do not have my case anymore, spectrum took it back. So I asked you did received payment they told me, we sent everything to XXXX. So I asked is my balance paid with you guys and they said it's not paid but you need to call spectrum because they have your case now. I called XXXX  and now they are saying they don't have any history of me being a customer which I was. And just 2 weeks XXXX  agent and I gathered my information on the phone in there system and now they tell me they don't know who I am.  Neither one of them know what's going on now that I paid them. So I called credit management back and complained about how they had my case and spoke to them before I sent payment and all of a sudden you don't have my case anymore. The agent from credit management kept saying at least it's off your credit report. So I was happy it was off my credit report and had hoped XXXX  got paid and removed me from there system. Now 2 months later on XX/XX/2020 another credit collection agency by the name of XXXX sent a collection notice for the same balance. I really believe all 3 companies are in this together. And I believe XXXX is the same as credit management.
Consumer complaint received 2020-09-07
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$260.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$260.00} -This is not my account.
Consumer complaint received 2020-09-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: C.Tech Collections, Inc. (CA)

I received collections letter from c.tech Dated XX/XX/XXXX C.tech Collections.inc XXXX XXXX   XXXX, XXXX. XXXX, NY XXXX Creditor name XXXX XXXX Acct # XXXX Amount {$110.00} Tell # XXXX XXXX XXXX or XXXX XXXX XXXX Contact : XXXX XXXX/ collection division They said I didnt pay Dr fee from XXXX ( date of service not noted ). I had XXXX  under insurance. ( XXXX or XXXX ) I moved to California in XX/XX/XXXX. 

The bill doesnt say when but when I Talked with the acct rep and asked 1. what the bill was for?

2. and why do I see this bill 4 years later? 

She said they tried to contact me but had couldnt find my address. 

I changed my address legally, with Dmv and post office XXXX XXXX. I have a copy Of that. 

I am XXXX years old and I believe it is hard to remember I did or didnt pay. But I believe I would have paid my billS before I moved. 

At any rate they should have told me within the month, or a year, and not 4 years Later.. 

Please look in to it, I dont want to affect my credit and honestly this bill an familiar. Please look in to it and resolve Thank you XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (FL)

I have reached out to discover already. I got a email once I filed the complaint with u the first time. They said the were going to remove it from my credit report but they never did. And as stated to the credit bureaus. Discover practice unethical measures with reporting negative info on consumers files. I filled a police report & identity theft report with the FTC so this account could be blocked from my credit per section 605B of the FCRA. It gets removed then they come back and says we have identifying info for the account so XXXX puts it back on. However when u ask for proof of yr signature or u applied .They never provide any. & XXXX is letting this happen.
Consumer complaint received 2020-09-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (CA)

Hello, I am the owner of my home at XXXX XXXX XXXX XXXX XXXX I am living there with my XXXXyear-old mother and I really need help I have for months have been trying to get M and T XXXX   company to help me with my request for loan modification so I can go back to paying my mortgage on time. I feel on hard times after a seperation and I am now living in the property and I need to make sure we dont loose our home. 
I am working full time and I ahve submited a fll loan modificatoon request. I want to ask for a proper review and and appeakl to all my denials I needto keep my home.
Consumer complaint received 2015-05-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (NC)

Today, XX/XX/XXXX, at XXXX, I received a call from a company listed as ARA XXXX ( I never heard of them nor business with them ). A rude and threatening collector identifying himself as XXXX XXXX recited my social security number, and advised me that the call was concerning a pre-legal matter that I was possibly unaware of that I owed. I was alarmed that a stranger was calling with my ssn in the XXXX place and demanded to know what company was claiming that I owed them and he became very hostile. He said a XXXX time that I was about to be served to court for the still ( unidentified debt ) under a civil judgment. I became irate at his combative tone and informed him that I had no outstanding debt. He then identified a credit company and amount that I have not done business with and settled as far back as XX/XX/XXXX at the least. My complaint with ARA XXXX, phone number XXXX, is that XXXX ) He ( collector ) threatened to sue me in court for an account I settled and have not done business in over 15 years - over the statue of limitations in my state ( NC ). I submit that in that case the debt would be considered time barred. XXXX ) I placed agent on speaker where he repeated his threat and definite intent to sue me to appear and I have witnesses to attest to this fact. This is illegal.
Consumer complaint received 2020-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NC)

Jefferson Capital Systems showed up on my credit report with a past due XXXX XXXX bill of {$950.00} from Maryland in XX/XX/XXXX. I contacted XXXX, proved to them it wasnt me, as i was locked up at that time. I also disputed through 3 credit reporting agencies. 
Now, Jefferson Capital is saying the bill was from Maryland from XX/XX/XXXX, but I've lived in NC from XXXX. I cant get them to answer me, and my credit rating says they are counting every month now as a late payment.
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (FL)

I have been a Lexington Law Customer since last year and have found their service to be misleading and fraudulent. I have paid Lexington Law for the removal of inaccurate accounts and had these same accounts removed, only to return back to my credit file less than two months later. Which defeats the purpose of paying monthly and also charges late fees if the invoice amount is not paid by the due date. Lexington Law charges a work fee the first days of stating services and then a week later charges the first month amount which can be from anywhere to over a $ XXXX XXXX depending on how many account has to be challenge of disputed. XXXX XXXX was deleted a few months ago and prior to that XXXX XXXX and both accounts have been listed back to my report. Which has the customer to start their entire case and payments back over again as if there was only a temporary deletion. I am requesting for a refund in the total amount of what was spent on this entire case since opened. A customer should not have to pay over and over again for the very same account that was deleted by a law firm. I have stopped paying Lexington Law and have nomore work being done on my case do having to pay again for the same accounts that are reappearing.Thats fraudulent and misleading. I am requesting for my funds to be credit back to my debit card that the payments were made. Starting from the time of the first payment to the very last payment in XX/XX/2020. I have many supporting documents that prove the account stated above was deleted after Lexington Law disputed and also when these account were listed back on my credit report. We are not paying services for temporary deletions and I will not recommend this Law Firm to anyone and I will also take further action on this matter.
Consumer complaint received 2020-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (PA)

US Bank continues to put a hold on my account and my Dedit card since XX/XX/XXXX. 
On XX/XX/XXXX, and as per US Bank request I sent them a FAX containing copies of my Drivers ' License, my home electric bills, and my cell phone bills as identity verification, then they released the hold for the first time. 
On XX/XX/XXXX, I started to perform my first transactions, it was 2 online transfers from my US Bank account to my XXXX Personal Checking Account. 
The first transaction was a {$2000.00} transfer I performed at XXXX XXXX, and the second transaction was a {$500.00} transfer I performed at XXXX XXXX. 

US Bank only cleared the second transfer of {$500.00} on XX/XX/XXXX but hold the {$2000.00} transfer, hold all my account balance, and deactivated my debit card. 
And this {$500.00} transfer was my first and last transaction that US Bank processed to my account, as the bank continues to hold my money for unknown reasons. 

On XX/XX/XXXX I called them again at their phone number XXXX, and after a more than 1 hour and 15 minutes waiting, they answered my call, the US Bank 's agent stated that they need me to FAX them a copy of my Driver 's License to release the hold placed on my account and card. 
I informed her that I have already Faxed it to them, she said I must send it because it is not in file. 
On XX/XX/XXXX I faxed a copy of my Driver 's License and a letter ( attached ) to US Bank asking them to release any hold placed on  my account, but the hold never been released. 

I called US Bank today XX/XX/XXXX to check my Card/Account 's status, the US Bank agent confirmed that I have to wait from 10 to 15 business days from today for the hold to be released.

I believe that US Bank is violating the Federal Reserve Regulation CC for Funds Availability, giving me a really hard time through this Pandemic, and hold my money for almost 2 months and a half for unknown reasons.
Consumer complaint received 2015-05-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Nations Recovery Center (VA)

I have been contacted by a collection agency that never leaves a reference number. I have always had to call them back. Most of the time I get the same collection 's rep, who always says she always leaves a reference number and if I ca n't give her a number, she ca n't assist me.. Once I got another rep. I gave my address. 
She said the issue had been solved. The agency continued to call. I do n't know who I could owe. I would hate the debt to grow because of non-payment. How can I get information on who I may owe without having information and without giving someone I do not know my personal information?
Consumer complaint received 2020-09-08
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: CORELOGIC INC (NY)

I recently checked my credit report and notice unauthorized inquiries from XXXX XXXX XXXX XXXX and credco. I recently applied for a credit card with XXXX XXXX and got approved but I didnt apply for an auto loan or go to any dealer so Im sure this is fraud activity. I called the company and they said they would get back to me in 24 hours and its been 3 days. I want these inquiries removed from my report ASAP.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently pulled my credit report and have found errors on the report. I have contacted the company several times through letters and phone calls to no avail. The FCRA states that the only permissible purpose for pulling credit is a ) a firm offer of credit b ) insurance c ) eployment d ) a court order. The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX/XXXX/XXXX. I have also requested that they update my address to my current address and they have not complied.
Consumer complaint received 2020-09-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$3000.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

-- COLLECTION ACCOUNTS 2. 01 XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. 08 XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

EQUIFAX KEEP REPORTING THAT I OWE A BILL WITH XXXX BUT ON MANY ATTEMPTS I HAVE ASK THEM TO VALIDATE THERE ACCOUNT AN THEY HAVE HAVE FAIL TO. N NOW THEY HAVE PLACED THE ACCOUNT WITH COLLECTIONS XXXX
Consumer complaint received 2016-09-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (GA)

I have an equity line of credit or a second lien on my home through SunTrust. After 10 years of paying the loan and never missing a payment, the repayment period has ballooned the monthly payment to the extent of creating severe hardship for me. I asked Suntrust to rework/refinance the loan so I can get an extended period to pay this back. They denied the application which has put me in financial hardship. I feel that Suntrust is not being equitable or practical in considering my loan application. The first mortgage payment is {$1600.00} to XXXX XXXX while Suntrust is telling me I have to pay them {$1600.00}. This is unreasonable and not feasible for me.
Consumer complaint received 2020-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

American Express cancelled all my credit cards when there was not a single payment default or delay or non payment for last 11 years. 

American Express agent totally mismanaged one of the new XXXX XXXX credit card ending XXXX, they offered me while I was abroad. AmEx agent took my bank information to establish Auto Pay, she told me it was the condition for this card. 

I was abroad and had to no access to this account to check whether there was an Auto Pay established for this card. AmEx also sent the card and statements to registered address not my operation address, so my office had no information about this card. 

Our registered office sent me a photo copy of non payment notice ; I immediately contacted American Express Business Corporate service from overseas and agreed in writing to make a fixed monthly payment as suggested my them. AmEx continue to receive this fixed payment as agreed. 

However, due to total disconnect between their Corporate Customer Service and Credit card collection service cancelled all my AmEx credit cards. I personally spoke with them and told them it was their agent who made the mistake not me but no effect on them. 

American Express credit services wouldn't agree to their mistake even though it was against the current credit card California regulations. 

This was a very bad example of American Express treating their customers rudely and with total disregard to Californian Regulations.