davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

Upon reviewing my credit report I noticed accounts from PHOENIX FINANCIAL SERVICES placed. I have never received any information written nor call about this alleged debt. I mailed validation letters twice via certified mail on XXXX XXXX 2017 and then again XXXX XXXX 2017. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my  privacy and medical records from third parties. I did NOT give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, I asked them to allow me to validate this alleged debt and to send me detailed breakdown of fees and any collection costs and medical charges. I asked a for a copy of my signature with the provider of service to release my medicalinformation to PHOENIX FINANCIAL. I requested FULL documentation of what was received from  the provider of service. Lastly. I asked that they cease any credit bureau reporting until the debt has been validated by me. I also stated that if they can NOT provide ALL of this information they MUST remove this collection from my social and from all XXXX major credit bureaus such as XXXX, XXXX and XXXX. XXXX has NOT complied with my requests. Reporting and therefore continuing to report this invalid information to the credit bureaus and not allowing me to validate is a violation of the FCRA.
Consumer complaint received 2017-05-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Unified Global Group (TX)

I had an account with    XXXX   XXXX   back in 2012. This company called Global put money in my account that I did not authorize them to do. When I went to my bank to ask about the deposit I told them I did not authorize this and they sent the money back to the company. They started calling last week and when I did n't call them back they look ed up my mothers name and contacted her illegally. When I confronted them about this they lied and said they did not look up my mother 's number. I have told them not to contact me again or I will file harassment charges against them but they continue to call and harass me.
Consumer complaint received 2017-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX, 2017 I had checked my TU credit score whether I saw there are a few non authorized inquiries in my credit report, which do n't show on my other 2 reports. I contacted XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX, all to get the run around on this issue and my other issue. My other issue being that I could n't log into my TU account to check to see if anything else was there that I should see. I was connected to reps and a supiervuour that all gave me the run around on both situations making them no help.
Consumer complaint received 2017-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I use an app called XXXX. It pays me in advance of my payday in case I need some money but my bank has to report the transactions, which the 1st couple weeks was great, NO ISSUES. Now I guess they realized this helps me not to Overdraft, meaning the bank wo n't get to charge me {$38.00} in fees so they are not reporting transactions to XXXX ; therefore ; I am not able to get my money from them. Thank you, XXXX XXXX
Consumer complaint received 2017-07-27
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. (FL)

On XXXX XXXX 2017 I sent written request to XXXX, XXXX, Experian requesting physical verification of the original signed consumer contract accounts posted on my credit report. I requested that validated these for debts that were being reported. I have never received any physical copies.In the results of the first investigation they stated in writing that you verified that these items are being reported correctly with out any proof. I then sent a letter asking who verified these accounts. Which they were not able to provide any proof. On XXXX XXXX 2017 repeated the same process. I still have no physical verification.
Consumer complaint received 2017-07-27
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. (FL)

On XXXX XXXX 2017 I sent written request to Equifax, XXXX, XXXX requesting physical verification of the original signed consumer contract accounts posted on my credit report. I requested that validated these for debts that were being reported. I have never received any physical copies.In the results of the first investigation they stated in writing that you verified that these items are being reported correctly with out any proof. I then sent a letter asking who verified these accounts. Which they were not able to provide any proof. On XXXX XXXX 2017 repeated the same process. I still have no physical verification.
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I tried to contact my creditor due to having incorrect information. All my letters were returned as undelivered. I contacted   XXXX   and provided documentation of the undeliverable mail to them which they signed for   XX/XX/17    . I asked  XXXX  to remove these accounts due to the creditor furnishing incorrect information. The account address were changed and some of the account numbers changed as per my   XX/XX/17   report I pulled from my   XXXX   account. I contacted  XXXX  that day and spoke with the special claims department. They said they received my documentation but would not change my report. I received a copy of my updated report dated   XX/XX/17  fr om  XXXX  due to my phone call and all of the old incorrect information is back on my credit report.
Consumer complaint received 2017-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

I am a XXXX in the XXXX XXXX XXXX XXXX. My XXXX, the XXXX XXXX XXXX in XXXX FL had a military XXXX at XXXX XXXXXXXX XXXX XXXX in XXXX XXXX, FL. I was ordered to stay at XXXX XXXX XXXX XXXX under a program called XXXX XXXX XXXX ( XXXX ). Under the XXXX XXXX XXXX program the XXXX pays for a group of hotels under a contract with the Hotel. Nothing should be charged to the individual Soldier. I should not have had to pay for my room at all since it was supposed to be paid using the government contract under the XXXX program. I arrived at XXXX XXXX 's in XXXX XXXX and was told I could not get the room without presenting a credit card " to be used for incidentals only. '' The person at the front desk assured me the Government Travel Card I presented would not be used for the room as it was covered under the XXXX contract. The stay occurred on or around XX/XX/2017 On my next bill I was charged {$470.00} for the room and I did not incur any incidentals. I immediately disputed the charges with the bank by phone and sent a certified letter return receipt as a follow up and contacted XXXX at XXXX XXXX 's who agreed the charge should be taken off my Government Travel Card ( GTC ) as the XXXX contract should have paid for the room. XXXX was going to remove the charge from my GTC and charge the room to the XXXX contract. The charge was never removed from the GTC. Instead Citibank sent me a letter stating they are " unable to assist me '' since my card " has not been lost or stolen '' and " my correspondence was received after the requested response date ''. However, the certified letter I sent was timely sent. Numerous calls to Citibank and XXXX XXXX 's have been unsuccessful. I get the impression from Citibank that they are not concerned with disputing an illegal charge and are not interested in helping me whatsoever because they know that my XXXX has to report GTC delinquencies and there is an intense amount of pressure to pay the charges on the card. However, I never authorized the purchases put on my card. Citibank seems unable and unwilling to comprehend this.
Consumer complaint received 2017-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cawley & Bergmann, LLP (NJ)

I received a letter from Cawley & Bergmann LLC dated XXXX XXXX, 2017 stating they have been contracted to collect a debt owed by me to XXXX XXXX XXXX XXXX and the original creditor is XXXX XXXX/XXXX XXXX in the amount of {$740.00}. I have no contract with XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX or Cawley & Bergmann LLC. I need this debt to be validated with a signed contracted not billing statements. Also, how can a debt collector collect a debt on behalf of another debt collector?
Consumer complaint received 2017-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Upon reviewing my credit report I noticed accounts from Account Resolution Services ( ARS ) placed. I have never received any information written nor call about this alleged debt. I mailed validation letters twice via certified mail on XXXX XXXX 2017 and then again XXXX XXXX 2017. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, I asked them to allow me to validate this alleged debt and to send me detailed breakdown of fees and any collection costs and medical charges. I asked a for a copy of my signature with the provider of service to release my medical information to ARS. I requested FULL documentation of what was received from the provider of service. Lastly. I asked that they cease any credit bureau reporting until the debt has been validated by me. I also stated that if they can NOT provide ALL of this information they MUST remove this collection from my social and from all XXXX major credit bureaus such as XXXX, XXXX and XXXX. ARS has NOT complied with my requests. Reporting and therefore continuing to report this invalid information to the credit bureaus and not allowing me to validate is a violation of the FDCPA.
Consumer complaint received 2017-07-29
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

THIS IS NOT the same case #. SEND TO CEO of CFPB, now..1st, and importantly "I NEVER asked for a $XXXX (XXXX XXXX XXXX XXXX XXXX-JOKE) to settle, $XXXX(XXXX XXXX XXXX XXXX dollar including Predatory lending.  
I sent all case numbers to CFPB and once again CFPB went back to Bank Of America (which IS the LAST who purchased the "LOST/Damaged,etc, Loan, I was never given or seen Chain of  TITLE from BOA Ever given to me and BOA still did not furnish the title. 
 BOA still claims they did everything right BUT according to the Judgement. That judge  didn't know of lost mortgage,etc. nor knowing my husband (XXXX since 2004,no probate) which means I NEVER OWNED IT,dollar rights were in my husbands name and it NEVER went to Probate,was told by XXXX wasn't need'd!  My loans were sold down to BOA DAMAGED and Falsely foreclosed on due to constant Selling down to the CURRANT buyer, BOA. BOA  believe's they WON the case cause using FALSE documents,fancy legal terms (smooth talking to judge)  My attorney  wasn't aware of the " DAMAGED LOAN"  that was bought by BOA,it was my discovery So BOA feels they won this case (i'm sure many other's and put me through XXXX and still INSULT me by suggesting I WOULD LIKE $XXXX !! Look at all papers,and recent CFPD article stating the wrong doings. I will end with this,all damages( including, punitive damages) I Will close this case with $XXXX.  *NOT $XXXX* I will have no option but to re-open the case if necessary and have it taken to Higher court due to BOA is Insulting my knowledge and intelligence due to not know the "legal terminology(so they think)  -I WILL NO STOP until I GET JUSTICE of BOA wrong doings
Consumer complaint received 2017-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (AZ)

On Thursday X/XX/17 I made an ATM deposit in the amount of {$5300.00} it was a refund from California Franchise Tax Board made out to myself and my husband. We both endorsed it on the back along with Deposit Only and account number. My husband is not on this particular account however, other similar checks have always been accepted by my bank. The next day Friday X/XX/17 the funds were reversed out of my account with no warning or explanation. I went to the bank on Monday X/XX/17 spoke with branch manager XXXX, she had one of the tellers make a copy of my check as it was still physically at the bank, she then made a call and informed me " they '' would be sending a notification and check to me and when I receive it I should bring it in to the bank and she would negotiate with " them ''. I asked if there was any way we could resolve the issue sooner and she told me I would need to wait until " they '' mailed me the notification and check and I should receive it today or tomorrow in the mail. I offered to have my husband come in to the bank and clarify if necessary she replied. " Oh we ca n't talk with him! On Tuesday after the mail had arrived I called her to see if it was possible for her to contact someone and expedite the process again she said I would have to wait until I received the notification and check in the mail as " they '' sent it out. I asked her who " they '' were and she said " the back office '' I asked if " they '' were at our bank she replied " I do n't know where " they '' are ''. The conversation ended at that time. On Wednesday X /XX/17 I called the customer service XXXX number and talked with XXXX who at least took the time to explain what the process was and she was very apologetic and understanding of my situation. She could not advise me what to do in order to get my issue resolved any sooner. With great frustration and XXXX I am filing this complaint it has been exactly one week that the bank has held up over {$5000.00} of my funds with very little help or concern from our local US Bank manager.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

On XXXX XXXX,2017 Equifax administration sent me a Retaliation and Discriminating response through CFPB Portal.
Calling me Dear, XXXX XXXX. My name is not XXXX XXXX.My name is XXXX XXXX XXXX.
Why is Equifax Administration retaliating against me as a XXXX Military Veteran and my XXXX Lifetime?
I filed complaint on XXXX XXXX,2017 Case file # XXXX.
What 's Federal Government going to do against Equifax Retaliation and Discrimination against me as a Military Veteran?
Consumer complaint received 2017-07-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (CA)

These people are charging me a usury interest rate of 500 % and I was not told about it .I am XXXX years old and on social security. I told them that I can not make payments of {$800.00} 0 per month because I only get {$2100.00} to XXXX XXXX and XXXX XXXX on XXXX/XXXX/2017. I will be XXXX  when this thing is paid ... .the account number is XXXX their web site is www.CashnetUSA.com Phone number is XXXX Please help me XXXX XXXX
Consumer complaint received 2017-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

In XX/XX/XXXX I was contacted by phone from XXXX XXXX XXXX in regard to help with my student loans. I thought it was a legitimate agency but found out through a call from another agency that what we were attempting was possible through XXXX without payment to a third party. When I informed XXXX that I was no longer interested in their services they said I still owed a fee of over six hundred dollars because " they worked on my file ''. I thought I had already filed a complaint online but it must not have gone through because when I called today ( due to wanting to check the status of my complaint and received more correspondence from XXXX ) the lady I spoke to could not find any information for me. I received a notice recently from XXXX that says Attorney Placement Pending for {$99.00} and balance due of {$590.00}.
Consumer complaint received 2017-07-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NC)

I have been struggling to repay my student loans off. I am currently on an income based repayment plan.I am unemployed due to circumstances I could not control. My payments are currently set for {$0.00} per month and the total balance due is over {$36000.00}. This is great however every month I occur interest charges for high amounts that add extra to my total balance as they pile up over a years span. In the process it is causing my credit to dramatically decrease every month. I also went into default once and it was n't on my behalf and this caused my credit to plummet at the time and it took me a while to get my credit back up. I have been unable to purchase normal necessary items for years causing stress in my life on top the money that I owe for the loans. I have been through different repayment plans such as forbearance, income-based and deferment none of these plans are helping me to relieve my debt, it is honestly making it worse and me and my XXXX children are suffering in the process. I have been offered a forgiveness program but it wo n't take effect for another twenty years. I need debt relief now!
Consumer complaint received 2017-07-28
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. (FL)

I filed a dispute with Equifax for an account that I do n't believe to be mine. The XXXX dispute was submitted on XX/XX/XXXX claiming fraud. The dispute was resolved within days saying that everything was verified. I submitted a second dispute also stating fraud on XX/XX/XXXX. I requested verification and a signature from them. This dispute was also completed in a few days and i received the same cookie cutter response from the first one. I submitted my third dispute on XX/XX/XXXX telling them once again that i needed the signature from this collection agency as proof and that this was fraud. On XX/XX/XXXX they sent me the results. It was the same message from the first two disputes. I had called them to try to explain what was going on and requested since the collection agency was reporting to the credit bureau while this item was being disputed and they failed to provide me the correct information, that i wanted this removed immediately. They are still reporting this. I am more than willing to bring legal action against both the collection agency and the reporting agency if this is n't resolved. I need assistance with this please.
Consumer complaint received 2017-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I called to payoff my chase credit card and was given a total by supervisor at Chase. Supervisor said you will not be charge interest anymore after this I am making sure all is included in the payoff. on XX/XX/XXXX I get charge of XXXX dollars on a {$11000.00} balance. in a summary on XX/XX/XXXX, she charged all interst at that point no interest should have been billed after that since the balance is XXXX. I called back onXX/XX/XXXX and another supervisor will not make the adjustment and insist that she did not charged me enough that is the reason I need to pay. All I am asking for interst to be credit to my account. I overpaid my account because I made a payment on XX/XX/XXXX of XXXX and then paid off on XX/XX/XXXX. that is why they are trying to take my money. I need my money back. thank you
Consumer complaint received 2021-07-12
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: Eastern Account Systems of Connecticut, Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.