davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-18
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (TX)

Made a purchase from XXXX for {$700.00} and when the package arrived, it was not what I ordered so I returned it. XXXXXXXX XXXX states that what they received is NOT what I ordered, which is EXACTLY the problem, I did NOT receive what I ordered and they refuse to issue a credit to my account when the error was on their side to begin with. 
I wrote and called and their response was that they already responded. 
Wrote to the card issuer and they stated the same thing, that XXXX already responded. 
It appears NOBODY wants to read or understand the issue. 
XXXX kept what was sent back and refused to issue credit to my account. 

Now they are reporting to the credit bureau that I am a dead beat and do not pay my bills -- I made a few payments to keep my credit good while I attempted to resolve but it is clear they REFUSE
Consumer complaint received 2018-07-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A. (IL)

I paid off my car loan in XX/XX/XXXX. After 60 days, I still did not receive my title. I called PNC bank in XX/XX/XXXX and they said they send it to my previous mother-in-law 's house, which she never received. Due to health issues, the matter was left unresolved until XX/XX/XXXX. I tried to call them again and they told me I needed to mail in a request as the back office would now have the information. I sent in 3 requests since then and never heard anything. I finally went to sell my car a couple weeks ago and because I still had not received my title, the dealership needed a lien release letter. I called PNC bank again and they told me I needed to speak to the Escalations Team. The next day I called and spoke to XXXX, who told me they had to get the letter notarized and would mail it to my new address. It has been over 3 weeks and I still do not have my letter. I have left MULTIPLE voicemails for XXXX with the Escalations Team requesting a call back to get a resolution as the dealership NEEDS the letter and STILL no response. I need the lien release letter as soon as possible since they failed to get me my title!
Consumer complaint received 2018-07-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Business Bureau (TX)

I received an initial demand letter from the agency in XX/XX/XXXX at which point I contacted their office and was notified it was for a bill from XX/XX/XXXX. I explained that I had visited the medical office over 20 times in XX/XX/XXXX and asked how come I never received notification of any debt owed? The representative stated that she would contact the creditor and would provide docs as they were having the same issues with the hospital from many debtors they were speaking with. Two weeks later I received another letter stating they had verified with the hospital that the debt was valid and that I owed the amount. I called their office and spoke with a Collection Manager named XXXX and asked why I was receiving calls and letters since I requested validation of the debt. He stated it was never notated on the file that I wanted validation of debt and that the request would have to be made in writing and that now I had a second account in their office and both would be reported on my credit bureau on XX/XX/XXXX. This is a contradiction to the letter as it had stated that the client has notified their office the debt was valid. I sent a certified cease and desist with a request for validation that their office signed for on XX/XX/XXXX and on XX/XX/XXXX the collection agent called and left a message on my cell phone. I called them back and requested to speak with their CEO or Compliance Officer but no one has called. I received another letter in XX/XX/XXXXstating the same that they have checked with their client and both debts are valid. The collection agency has falied to provide docs or return calls.
Consumer complaint received 2018-07-05
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: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Fair Collections and Outsourcing are Reporting a Rental Debt that is beyond the Statue of Limitations. Subsequent, to my request to Validation of Debt, Fair Collections and Outsourcing sent me to the sign Rental Agreement and Ledger. The Ledger shows the First of Delinquency beginning around XX/XX/XXXX to XX/XX/XXXX and was never brought current in which led to the eviction process. Although, XXXX was supplied the Ledger, it  refused it and now Fair Collection and Outsourcing continues to report the debt on my Credit Reports.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to XXXX5 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (TX)

In XX/XX/XXXX after receiving a copy of my credit report from XXXX I filed a dispute for a bill in the amount of {$1200.00} with XXXX XXXX account # XXXX. On XX/XX/XXXX I received a letter from XXXX stating that they had contacted the credit bureaus and requested that the account be closed and deleted from my profile. I receive a current credit report on XX/XX/XXXX and it now shows this account is with a different agency by the name of Source Receivables Management for the same amount of {$1200.00}. None of the Credit Bureaus notified me within the 5 days required by law that this item would be re inserted back on my credit profile.
Consumer complaint received 2018-07-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

I have been automatically paying a campus-based loan through the company of XXXX. Today ( XX/XX/XXXX at XXXX ) I received an email from the company ( since I am enrolled in paperless mail ), stating that as of XX/XX/XXXX they will no longer be servicing my loan and that I should have received information from my lending school or new servicer with information about my debt. I have not received anything via mail and or email. 

When I tried to log-in to XXXX, they won't let me log-in anymore, the site says " service can not be reached at this time '' and when I call them they require me to enter my social security number and date of birth, after I do, a machine responds with " we can not access your account. '' I have paid the loan with autopay since XX/XX/XXXX, and every month {$490.00} is taken out of my personal financial account ( the last payment taken out was on XX/XX/XXXX ). I do not want to have any late fees- which is why I am  eager to find out where my debt has been transferred to and who is managing it. 

I have also contacted my school ( XXXX XXXX 's University- NY ) and have yet to hear back from them.
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MO)

After I reported an unauthorized charges on my credit card, company decided to close my account without my knowledge. I reported several times that there is no any possible way fro me to access the card online to make a payments and there was no any response.
Consumer complaint received 2018-07-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Premier Student Loan Center (CO)

My daughter graduated from college in XX/XX/2018 and XXXX claiming to be from Premier student loan center called offering student loan forgiveness assistance. The phone # she called from was XXXX and her voice mail gave a different name, XXXX. XXXX requested my daughter and I pay XXXX for the next 6 mons each and then after six months I would pay XXXX a mon and my daughter would pay XXXX a mon saving us XXXX in student loans and interest. We believe this offer was legit and she used scare tactics urging us to accept the offer now because XXXX is trying to shut down this program and I will have to pay XXXX a month and my daughter would pay XXXX a month plus XXXX in interest. My daughter provided her bank card info to hold the offer and I gave her our FSFSA confirmation #, so now they have access to all our info SSI #, DOB, tax  information and etc. She took the XXXX when they promised to wait on us to give authorization. They preyed our vunerability.
Consumer complaint received 2018-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

This company, XXXX XXXX, has exhibited numerous underhanded and predatory tactics in the short time I have dealt with them. My loan was transferred to them from XXXX in XXXX of 2017. XXXX was fine by the way. In the short time that I have dealt with Heartland it has been a nightmare. They provide zero information regarding interest on your loans first of all and don't allow you to pay off your interest right away. But more importantly, I had signed up for email notices regarding my payments being due ( I don't remember exactly when as I have no log ) and got nothing back when one of  my payments was due back in XXXX. Of course, I ended up with a late fee. So I spoke with a representative about it and the fact that I had never gotten an email reminder. She stated that although I had signed up for email, it was too late before the due date to send out an email but the next time it would. This was back in XXXX, and the only proof I have is a test email she sent on XX/XX/XXXX to make sure I was receiving their emails. Well now it is XXXX and I have another payment due and again received no email reminder. So I am talking to a Customer Rep and he said the exact same thing " I see you signed up XX/XX/XXXX which is after your bill generated which means you would not receive an email until your next cycle. '' This is a straight up lie! And I told him this as well as told him of my past conversation. I have no doubt that this will continue to happen so that I and many other indebted graduates just like me will get charged late payment fees because XXXX is being deceitful and shady!
Consumer complaint received 2018-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (AZ)

On-Line Information Services is a collection agency that has been harassing me about a XXXX XXXXXXXX XXXX XXXX of {$240.00} incurred in XX/XX/XXXX in a condominium residence XXXX XXXX XXXXXXXX XXXX XXXXXXXX, that had been opened in my name due to identity theft. 

My son, XXXX XXXX XXXX and his father, ex-husband XXXX XXXX XXXX unlawfully took possession of the Florida condo in XXXX per fraudulent transfer of assets, and in fact, went before a judge swearing under oath that I had never lived there. 

Lo and behold in XXXX, I received a letter from the collection agency demanding payment for the utility bill. On-Line has tarnished my credit with all three reporting agencies. On numerous occasions, I have explained to On-Line that the condo was taken over in XXXX and I neither opened an acct in my name, nor had anything to do with the residence in XXXX when the charges were incurred. They have been been rude and have ignored my attempts to explain that I am not liable for this bill. 

I have spoken to XXXX XXXX and was told that they in fact, closed the acct years ago and are not looking for payment. They further advised me to report a collection agency that harasses individuals victimized by identity theft.
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had attempted to start building my credit, bank of america helped me open my first line of credit, a secured credit card. I never received notice of payment deadlines coming near until I had late fees noted on my online account and phone calls from collections. At the time I was struggling to pay my bills on time and after 30 days bank of america closed my account and hurt my credit report claiming my history as delinquent, and late on payments. I payed off my secured card as soon as I was noticed of the closed account.
Consumer complaint received 2018-07-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Ive contacted them several times explaining the situation with a late payment being reported. I received zero documentation of payments being due on my loan. No calls were made to me until after the loan showed 60 days late. They told me it was nothing they could do. I provided proof of a forbearance multiple times of another loan and they still reported my loan late.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I have reached out to this company no less than three times. They have failed to provide proper validation, and continue to report the account in error. Account number is reported with symbols. Account status is not in compliance. It has not been 12 months since the original date of service. This is considered a HIPAA violation, as I gave neither party permission to share my medical records. Furthermore, this account is under {$500.00}, and there is no original creditor listed. Surprise billing act has also been violated.
Consumer complaint received 2018-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (AL)

Dear Midwest Recovery System XXXX XXXX XXXX, I am sending this dispute at this time threw cfpb to make sure you received it. 
I have no knowledge or records of this debt to Midwest recovery system reported on XX/XX/XXXX. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 30 days ) of receiving this complaint please delete this account from my credit reports. Please don't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of, to provide to my attorney. I never received a bill from any company with a bill statement for a service that was provided. When speaking to Midwest recovery system I was told a service was given in XX/XX/XXXX I have no knowledge of this service, never received a billing statement, an attempt to collect a debt and I don't owe any money to a Midwest recovery system or a hospital or doctors office. No contracts of services was signed by myself to no company especially a midway recovery system so you should not be attempting to collect any medical debts. Unless I can recieve proper documentation from Midwest recovery system that was provided when being allowed to report on my credit profile and the proper billing statement of services provided and by whom I will request immediate removal or legal actions will be in pursuit! My medical provider would never send such intonation to a collector as its against the law. I do not owe this debt and I have never received a collection notice from any company with a debt stating services provided and by whom. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA) (GA)

Receivable Management Group has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Receivable Management Group. The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, Receivable Management Group is practicing UNJUST ENRICHMENT.
Consumer complaint received 2018-02-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Outsource Group, Inc (IL)

On XX/XX/2016 I paid XXXX in full for the following amounts {$34.00}, {$270.00} & {$55.00}. Although, I was told they would be removed from my credit they haven't done so.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CA)

According to XXXX XXXX XXXX XXXX, this is my statement that all of the listed accounts have been reported without my consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me the consumer. I clearly never gave this agency written authorization or written instructions to report this information, This agency is conspiring with these creditors against me in committing XXXX  identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.
Consumer complaint received 2018-03-21
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc. (MI)

I owe a debt from an apartment community after moving from XXXX  to XXXX  and having to cut my lease early. I left XXXX   in XX/XX/2016 and immediately began getting numerous phones calls from this collection agency called ProCollect. I have called asking for a notification of my debt so I can have an account number and pay by making payments, however, this company employees people who are extremely rude, use offensive language, have threatened me if I don't pay the full amount upfront, and don't give me any information yet expect me to give them my credit card and social security number over the phone. I suspect this company practices as a scam or at least dishonestly with their customers. I don't feel safe giving over my financial information to a company who doesn't honor their customers rights. I don't appreciate being yelled at as well as hung up on anytime I try to work something out with these people.
Consumer complaint received 2018-03-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC (OH)

Debt Recovery Solutions was on credit report for {$340.00} when tried to get mortgage. I phoned the company to get information on this so called debt was screamed at and demanded that I pay that day. Called back again with no better luck. I have disputed the information and nothing has been done
Consumer complaint received 2018-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

My home was hit during Hurricane Irma as I was in evacuation area. 
We received over {$100000.00} of damage to our property. 
We asked for a forbearance as well as made a claim to our insurance provider. 
There are +- {$45000.00} at " Bayview '' which has not been released for much needed repairs to my home. 
For the last 3 weeks I've been emailing and calling my account rep to try and reinstate the past due balance and hopefully have the monies that are needed for repair released. 
To date I've not received either a call back or an email from my rep. 
This seems like a deliberate attempt to foreclose. 
All I have asked for is to reinstate and I cant even get my rep online, nor will ANYONE from Bayview return my call