davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I rented an apartment to XXXX XXXX managed by XXXX XXXX. XXXX XXXX sent me a bill stating that I owed {$54.00} for a gas bill. I showed them a letter from XXXX XXXX that I did not owe them anything. XXXX XXXX letter stated that I 've been paying my utility bill to them since I 've established it before I moved in. I continued to pay my rent and the management company continued to send me letters stating I owed them money. The management company started of with saying I owed {$54.00} and continued to increase it to {$6000.00}. The management company filed a suit against me for none payment in XXXX 2014. I was not properly notified and filed a motion against them. In XXXX 2014, my case was heard in front of the XXXX Circuit judge. The management nor their attorney showed for the hearing. The judge dropped the charges. Upon, recent review of my credit report, I noticed the management company sent {$9000.00} debt to a collection agency. I had the state 's attorney 's office investigate. XXXX XXXX stated that my bill for the gas bill has increased to that amount. I disputed it stating that a hearing was held in XXXX 2014 and was thrown out by the judge. This company has illegally placed a debt on my credit report that is not mine, they did not notify me nor did they try to dispute it again in court.
Consumer complaint received 2016-02-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XXXX XXXX, I was informed by Merrill Lynch that a balance transfer from my XXXX XXXX credit card to a Bank of America credit card would take place and it did n't, resulting in a interest charge to me of {$4500.00}. Correspondence is attached.
Consumer complaint received 2015-05-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (MI)

In XX/XX/XXXX My wife had dental work done at XXXX XXXX. The total work cost {$1100.00} and they charged it to a Care Credit Card in my name, card # XXXX XXXX XXXX XXXX. It was a 6 month no interest if paid in 6 months. Care Credit is now Synchrony BankI paid each month as required as follows : Pmt. # XXXX Date XXXX Amt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX total paid was {$1000.00} and as soon as I realized I made an error I called and talked to a lady there and told her my problem. 
I have had many health problems lately, including a XXXX because I was XXXX from low XXXX XXXX. I had to have my XXXX because of XXXX and I also had XXXX XXXX at the same time and had to have the XXXX removed also. The I had months of XXXX XXXX which cost me over XXXX of my XXXX. Needless to say my mind was not 100 %. I new I had to pay the {$420.00} but some how I only paid the {$300.00}. 

I then received a phone call demanding I send them {$1300.00} or they ( insinuated ) they would ruin my credit. Not wanting any problems I sent them the {$1300.00} I sent them XXXX registered letters and received no beneficial replies. Why the {$1300.00}? Nothing adds up except my loss. Even the 26.99 % interest does not add up. They sent me a check # XXXX for {$120.00} dated XXXX. Why? I have not cashed it!! 

Please help me if you can! 
XXXX XXXX
Consumer complaint received 2015-08-07
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SIMM Associates, Inc. (OH)

Sims Associates called someone in my neighborhood whom I have never met in my life told them of my debt and my address and who I was and they therefore took the message and came to my house and knocked on my door with this information. I feel violated.
Consumer complaint received 2016-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Credence Resource Management, LLC (GA)

Credence Resource Management has called me repeatedly at my place of employment after I have asked them to remove my work number from their call database. The representative continues to try to talk to me and sometimes escalate their voice trying to talk over me. 

In addition, the representative asks me to confirm personal information prior to disclosing the company in which they are calling from and about. 


Not only is this annoying, it seems to be a violation of my rights.
Consumer complaint received 2016-02-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (MI)

Our property is in Tn, and we had to leave due to my health in XXXX of XXXX. Leaving our sons to take over the mortgage payments and utilities and all of our belongings. Everything was going fine until we got a couple months behind in our mortgage. The original mortgage holder sold the mortgage to another company without our knowledge. 
When we found out, we tried to work with them and we told that they do n't make arrangements. They want the whole arrears or nothing. The loan holder is a XXXX Veteran and there is no way to come up this kind of money. We even gave them new our address away from the property. 
This went on for 2 years until I hired XXXX XXXX, an attorney, to stop the foreclosure in XXXX I paid the attorney to do my wishes, which did n't happen. We tried to do cash for keys, and it was never presented. We dismissed the attorney in XXXX. 
XXXX of XXXX, some XXXX came to the door asking questions about the property, wanting to come in. My son refused. She went around to see our XXXX XXXX XXXX barking, and she stated that he was the XXXX making all the noise. The next day he came up missing. 
A police report was filed. Cars passed slowly taking pictures of my house and property. 
We contacted the mortgage company in XXXX of XXXX requesting loan modification. We submitted the paper work many times and they kept tells us they never received the paper work. 
They sold the property at foreclosure sale on XXXX XXXX, XXXX, and no one purchased it. They still would n't work with us. Our personal belongings were still in the house, and we were trying to work with them so we could get our stuff out. 
We were never served with with eviction papers until XXXX XXXX, XXXX, giving us 30 days from the XXXX to remove our things. 
On the XXXX, the mortgage company ordered all our belongings inside and out side be removed and destroyed. We have litigation over the disposal of the personal property. 
This complaint is that they never allowed us to do a Loan Modification, and foreclosed on us, and sent people to harass our son while he was staying there. We finally brought him to live with us XXXX of XXXX cause he could n't handle the harassing any longer.
Consumer complaint received 2016-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc. (OR)

I have sent them a letter to ask them to prove to me that I owe this debt and they wrote back they spoke with the debtor but did not send me any proof of I owe this debt They sent me nothing at all to prove I owed this amount
Consumer complaint received 2016-02-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: JH Portfolio Debt Equities, LLC (MO)

Credit Control LLC Is trying to collect a debt past the statue of limitation that is 15 year old I live in CA which is 4year Moved to MO XXXX there in MO is 6 year Just got a mail from there want XXXX on a card that was what the bal. is the bank is close I think ( XXXX Bank in XXXX ) then sold to XXXX bank then was sold to XXXX They can not try to collect past the statue of limitation that old I have letter that it was charge off XXXX please help they have reported as XXXX XXXX XXXX this should have been moved I check my credit report and it still there
Consumer complaint received 2016-05-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paramount Recovery Systems, L.P. (TX)

This Paramount Recovery agency has reported that I owe them {$760.00}. I have never heard of them or this XXXX that is from where the debt was incurred and sold to Paramount. But that 's not the most urgent problem. They have filed XXXX individual accounts for collection of that {$760.00}. That is XXXX debt reported on my credit file filed as XXXX different collections for the same debt. On my credit file the account numbers are the same, date of origination is the same, file numbers are the same on each of these reported collections. Unless they treated me 13 times in the same day for services that all cost {$760.00}. It 's not impossible that they did that. This is plain harassment. Reporting the same account multiple time on my report has had a detrimental effect on my credit score. Even if this debt were mine, there should be XXXX account in collection, not XXXX. Deliberately reporting false information to each of the credit bureaus is a punishable act under the FCRA. But I simply do n't have the thousands of dollars it takes to litigate a FCRA complaint. 


I 've tried talking to them but they wo n't even discuss the possibility that this debt was incurred by someone other than myself. They call me at home, on my cell, and at work demanding that I pay this debt but completely ignore my request for them to prove that I incurred this debt. 

The sad part is, if they would correct their reporting to all XXXX credit bureaus, i would pay the {$760.00}. That 's how desperate I am. I have been passed over for XXXX different employment opportunities because of their tactics. Who wants to hire someone with XXXX accounts in collection from XXXX entity? 

I had other collections reported from other agecies that were materially related to healthcare, that I asked them to prove that I am the debtor and they simply couldnt and removed their filings from my report. Paramount will not even discuss anything other than my paying this {$760.00}. It 's almost blackmail. Unless I pay them, they are going to continue reporting false information to the credit bureaus.
Consumer complaint received 2017-01-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

My second complaint. I have had several issues with XXXX XXXX. I was told that I could make more than one payment and the other payment would be for the next payment. I did that and XXXX XXXX refused to honor the payment. Causing fees and negative reporting to my credit bureau reports. If this is n't resolved my lawyer will contact XXXX XXXX and start legal proceedings in federal court. Please forward calls that were made so they can be listened to.
Consumer complaint received 2016-05-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been paying the original loan now for over 12 years. Although they gave me a hardship plan I know that they continue to make monies from I debt already paid. How much interest are these companies allowed to extort. I am considered a high risk patient I no longer stand to be used. My initial sebt started in 2003.
Consumer complaint received 2016-09-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Paramount Recovery Systems, L.P. (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, XXXX
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Paid XXXX for 4 years, returned the car and later they charge me for overage miles and try to work out a payment plan, which they later reneg and take me to court. I think this is excessive abuse of XXXX and its collections and credit bureau 's. I returned the car in 2010. Yet my negative credit report has to show that I did not pay them and is a charge off, including court judgment. What is going on in America? Collections, and Credit Bureau 's are abusing us and the system so they can charge 24.99 % APR? I 've paid every car payment on time, and XXXX and its collections agency should n't be allowed to abuse the system and its customers. The way it shows, it appears it was a charge off and I never paid them, when in fact it was fee 's and charges after returning the vehicle, so it has nothing to do with being a charge off of my $ XXXX monthly payment. THIS IS WRONG!
Consumer complaint received 2016-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: North Shore Agency, LLC (MN)

I am a victim of identity theft and someone stole and used my personal information to open up an account with XXXX XXXX. I have never applied or opened up an account with XXXX XXXX. I have been receiving harassing and threatening telephone calls from North Shore Agency Collection Agency representatives in regards to a debt in the amount of {$270.00}, I owe to XXXX XXXX. North Shore Agency has threaten to call my job repeatedly, if I do n't pay the debt.
Consumer complaint received 2015-08-01
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capitol One is unable to verify information listed on my credit file. I spoke to XXXX representatives at Capitol One and neither one was able to verify the information being reported by the XXXX CRA. On XXXX/XXXX/15 aprx XXXX. I called Capitol One at XXXX .Customer Service Rep XXXX Stated he was not able to verify any old statements or verify the date of first delinquency. On Monday XXXX/XXXX/15 a Customer service rep stated I would receive a return call from Capitol One to discuss the account the next day. I was not contacted by anyone from Captiol on
Consumer complaint received 2015-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Maury Cobb, Attorney at Law, LLC (WA)

Hello, I received a letter from the Law Offices of Maury Cobb. I spoke with a gentleman named XXXX XXXX. He explained that I had a collections account with XXXX for XXXX. I explained to him that it was not possible as I was not under contract ( ten year customer ) at the time I left tmobile. He said he had no information and that this is a law office and there is a judgement against me to take the money and that I must pay. I called tmobile and they did not have any information on me and said that Maury Cobb had purchased my account. From my research I have seen that XXXX XXXX has had substantial litigation and claims against him for false debts and tactics. I have sent letters to all XXXX credit agencies explaining the situation. I also included letters from the department of homeland security and office of personnel management stating that my social security number and other identifying information had been compromised. This has been a long battle and I am trying to restore my credit. XXXX XXXX XXXX 's office has not been helpful in the least. 

Respectfully,
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Since I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am XXXX and on a fixed income and do not have the money to be represented by an attorney or any other agency. So I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter? And if the results would be the same, why is Experian choosing to not accept my letter and my humble request for an investigation of my accounts?
Consumer complaint received 2015-07-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Paid off loan XX/XX/XXXX or XX/XX/XXXX. Have been trying to contact XXXX to get a copy of the lien release for the paid off trailer. I call and enter my social security number, and it tells me it 's " invalid ''. I do this repeatedly until their automated system tells me " please call back when you have correct information. Goodbye '' - then I 'm hung up on.
Consumer complaint received 2016-02-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (FL)

I have call and asked this Collection Agency, Diversified Consultant to remove a collection of {$170.00} from XXXX XXXX XXXX they claim they have the authority to collect. The first time I called they could n't find that I owed a debt and the second time I called they told me that they had an account but my Social Security Number did n't match the XXXX they had on the account. 

This is not my debt I have never had any type of service with XXXX XXXX XXXX. I asked for a verification of the debt and ended up talking with a Supervisor named XXXX XXXX direct phone # XXXX. 

XXXX was very helpful and informed me that the Social Security # associated with this collection account was different than mine.He said they would remove/delete this collection from all XXXX of the Credit Reporting Agencies XXXX, XXXX and XXXX XXXX if I would fax them some information. 

He instructed me to fax front page of my Credit Report and the page showing the Collection Account. In addition to fax a copy of my Driver Licence and Social Security Card. 

I complied and faxed those items he listed to the fax number he gave me XXXX. That phone number is not a fax number but goes to a vice mail box message. 

I have called Diversified Consultant XXXX more time to confirm the fax number and was told both times that is the correct fax number. I ask them to call the number from a phone and it goes to a voice message. I am frustrated!
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

It appears I am unable to have an address I 've never been to removed from my credit report without an attorney 's help for recourse. I 've hit a brick wall. 
XX/XX/XXXX-Disputed a reported address I 've never lived in nor even know where it is in the area. 
A written notice was sent XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX with all requested supporting/identifying documents. Included was detailed information relative to why & how it is NOT my data. 
Experian refused to allow it as a dispute and uploading any supporting document in PDF format was unfruitful. It may be the XXXX format that I will check. Four attempts in two days without success.starting XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, however, they already have the original supporting document sent in XXXX XXXX. 
Below is a cope/paste of their screen message to me : We 're sorry. We were unable to honor your request Sending us your information To submit your request by mail, please send your documents along with XXXX copy of a government issued identification card, such as a driver 's license, state or military ID card, etc., XXXX copy of a utility bill, bank or insurance statement, etc., and a copy of your Social Security card or another document that displays your Social Security number. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. Be advised that written information or documents you provide with respect to your disputes may be shared with any and all creditors with which you are disputing. 
Mail this form to : Experian XXXX XXXX XXXX XXXX, TX XXXX Your identification information ___________name Social Security Number : XXXX Address Report number : XXXX What is my recourse?
Consumer complaint received 2016-06-15
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Between XXXX XXXX and XX/XX/2016, Capital One bank paid out twice on XXXX different checks written off my account. I discovered and reported the first problem when I got my XX/XX/XXXX bank statement and again in XX/XX/XXXX when that statement showed a second problem. I went back again in XX/XX/XXXX and again in XX/XX/XXXX, disputing the duplicate transactions. Capital One had paid out when the XXXX checks were scanned electronically, and then again when the exact same checks were presented as physical checks in later deposits. On XXXX XXXX, I found out that XXXX set of each payment never reached the payee account it was supposed to go to. On XXXX XXXX, Capital One 's final decision on my claims was that they were denying it because the checks had valid account holder signatures. I would like the appropriate Federal regulatory agency to investigate why the bank 's software allowed these duplicate transactions to occur, and force them to change their software and procedures to prevent it happening again. In the meantime, I am moving my funds to another bank, and have initiated a criminal complaint against the payee on the checks.