davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-23
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Penn Credit Corporation (NY)

I owed XXXX University money on an outstanding balance that I was paying monthly at a rate I could afford. Their request was upwards of $ 600/month. I was at about $ 100/month. I paid them approx {$480.00} mid XXXX & was notified by mid XXXX that my account would be going to collections.
Consumer complaint received 2016-07-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Best Service Co.,Inc (CA)

Recently I learned that I have been victim of identity theft. I have find that some one unknown to me has used my personal information to get themselves credit and because I was not receiving any statements from different credit card companies some items ended up in collection which I had to hire a company to take care of the matters for me. I assumed everything in my credit report was cleaned up until a month ago when I decided to get a new job and I knew that who ever I apply for employment they are going to pull my credit report. I did that my self and purchased a copy of my credit report and noticed that there was a collection account from BEST SERVICE COMPANY for an unpaid XXXX account. I immediately wrote dispute letter to credit bureaus then I wrote a dispute letter to BEST SERVICE COMPANY and explained my situation to everyone. XXXX f the bureaus they removed all the negative items but XXXX still indicating the account from BEST SERVICE COMPANY still is in my credit report. and I have not received any response back from BEST SERVICE COMPANY.
Consumer complaint received 2016-03-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (TX)

They have reported a debt for XXXX to the credit reporting agencies and it has ruined my credit. I do n't have XXXX nor have I ever had XXXX. It just appeared on my reports, and I want it removed immediately
Consumer complaint received 2017-11-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Funding aka MCM Midland Credit Management keeps calling me from spoof telephone numbers, from spoof telephone numbers on their mailings, and the Supervisor who acknowledges speaking to me several times changes her name from XXXX XXXX then XXXX XXXX 10 days later. At each phone call I asked them to turn the recorder off, which they said they did. In XX/XX/XXXX they told me I owed {$2100.00}, on XX/XX/XXXX {$1300.00}, and on XX/XX/XXXX said {$1900.00}. This debt was from XXXX XXXX from XX/XX/XXXX. This was from a root canal and capping of a tooth that had  to be done emergently before I had XXXX. My credit score was low because my ex left the marriage while having an affair, took his new car out of state, and stopled making the payments. I was making regular monthly payments on the XXXX account of {$100.00} {$200.00}, until I became ill and had to have a 15 hour XXXX XXXX, another 15 hour XXXX XXXX, and is 6 hour XXXX XXXX. By the time I had myself together and was home, XXXX brought all the interest 22.29 % forward. I explained my circumstances to XXXX and to Midland, but they just would n't do anything. I offered to pay {$30.00} a month to XXXX and to Midland and they refused. I told them I am I am on Social Security XXXX, and XXXX XXXX aka XXXX XXXX started getting loud with me telling me she 's going to ruin my credit. I offered to pay {$35.00} a month, which is all I can afford. She did not want that amount. She said that she will continue to to ruin my credit. I said to her, " do not call me anymore unless you want to accept my offer of $ XXXX month, on XX/XX/XXXX. She continues to call me. All of the callers sound like they are from XXXX and are difficult to understand. She asked me for a check for {$900.00} to pay it off in one time. I told her if I had it, that I would not have this problem. They are just unreasonable and want to harass people and will not work with you. They would rather ruin your credit and harass you than take a monthly payment. They call from spoof numbers to get you to answer. They send different telephone numbers and conflicting information in the mail. It is to plain harassment. I have copies of their mailings and documentation of their phone calls. I'am happy to submit them to you, if you tell me where.
Consumer complaint received 2015-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I need my mortgage modified. I have tried effortlessly to provide Rushmore Loan Services with the documents that were requested only to continue to be told that a complete package was not submitted. I would ask them what documents they needed and I faxed them accordingly. Whenever I would call to follow-up with my Account Manager, XXXX XXXX, it would take her XXXX days for her to return my phone calls. This has been my entire experience with her. On XXXX XXXX, 2015 I received a letter from a Foreclosure Attorney indicating that my home was scheduled to be sold on XXXX XXXX, 2015. I was so confused, because I was under the assumption that all of the documents that I faxed had been received only to find out once again that the same document that they requested previously was not received and this caused my loan modification case to be closed and they had moved forward with a sale date. I explain to XXXX XXXX that the last letter that I received from her indicated that I had XXXX days from the date of the letter to submit the document and that 's when she told me that I needed to have the information in XXXX days prior to the sale date. I feel that this decision was very harsh considering the time and the continued effort that I put in to make sure that I stayed in compliance and following all of the instructions that were given to me to be considered for a loan modification.
Consumer complaint received 2017-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

A little over a year ago I notice a Ch. XXXX Bankruptcy appearing on my credit report. Ref # XXXX. I contacted the credit reporting agencies and advised them that this information is incorrect. I have not file a CHXXXX bankruptcy. The credit reporting agencies disputed the filing and reported back to me that the bankruptcy had been verified, not with the court but a third party company. A couple months ago I was able to tracked down one of the third party companies that XXXX uses, XXXX. I contacted their customer service department and was advised that they do n't verified that the information in the case is accurate, they only verified the case number, name, and address. They directed me to the Federal Court that the case was filed in. I call and spoke with the XXXX Oh Federal Court Clerk of Courts to get some information on this case. I was advised that they do n't show ANY information regarding this case other than a case number which appears to have been filed in error. I asked the court to send something to the credit reporting agencies. They advised me that they do not report nor deal with credit reporting agencies or any third parties WITHOUT the credit reporting agency or third party filing a motion to release information which a judge has to sign off on? If that 's true, how in the world are these credit reporting companies claiming they verified this information without talking to the source? They are hiding behind the third party knowing that the third party only verifies case numbers??? This is beyond crazy! I 'm requesting that XXXX, Experian, and XXXX file the proper paperwork with the court and update my credit report with the correct information. I have already proven in the past that these 3 companies are known for saying they have investigated and verified information only to find out they did not. ( EX. XXXX XXXX XXXX CFPB # XXXX ) They claim for months they verified that incorrect information and refused to reinvestigate even as early as two weeks ago. How did that turn out? I 'm not asking for anything but to have the correct information reporting on my report. I did not file a CH.XXXX bankruptcy in 2012. According to the Federal Court, that case was filed in error, something as easy as typing a wrong number in the social number or last name could had trigger the error. Please remove at once or provide the full case information that would include my picture ID and copy of my social security card. Thank you
Consumer complaint received 2015-11-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (FL)

I am being called as many as XXXX ( XXXX ) times a day from the number XXXX. They are attempting to collect a debt owed by " XXXX, XXXX '' who is not associated with me or my telephone number. This is related to my previous complaint with you, numbered XXXX, which you were unable to resolve as you could not identify the " creditor. '' They do n't identify themselves, and they provide inaccurate legal information ( I am an attorney ), such as " if we have to serve you, you will forfeit all your defenses - which is simply not true. That leads me to believe this is a fraudulent enterprise behind this.
Consumer complaint received 2015-06-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: P.S.C., Inc (WA)

This bill belongs to my ex wife for her child, XXXX XXXX who is not my child. The military allowed step children to be on my insurance. This DOES NOT make me responsible for her bills. Her parents, XXXX XXXX and XXXX XXXX are responsible for this bill NOT ME. We were separated and preparing for divorce at the time. I never signed taking responsibility for her bills other than providing insurance coverage for her as allowed by law. Allowing the childs mother to put me as being responsible for their child does not make me legally responsible for their bills. 

There are XXXX accounts for this child that have been sent to collection in my name! I want all XXXX removed immediately!
Consumer complaint received 2017-11-11
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Attn : XXXX XXXX  TransUnion My name is XXXX XXXX I have provided you with the following items I have listed below that your company is reporting inaccurately. I look to place all accounts as fraudulent accounts. I am a victim of identity theft. I have been affected by the credit breach. I have attached a letter, copy of the FCRA where the credit bureaus and creditor violated me by going on to my credit file and reporting inaccurate accounts on my credit. False Pretense in the act of being the consumer and not getting any consent from me to open up my credit report. 
Please take this documentation I have provided as a dispute and an affidavit. Contact me at number i have listed and please add my mobile. 

Inquiries : XXXX XXXXXXXX XXXX/XXXX/XXXX Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Collect Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2017-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patenaude & Felix A Professional Corporation (NV)

I do n't have an account with XXXX XXXX which has sent an account listed in my name to an Attorneys office for collection. 

This account was written off 2 years ago according to the letter attached with XXXX XXXX. This account was opened " online '' which was not by me, therefore, XXXX XXXX does not have a signed contract from me. 

XXXX XXXX has agreed to Cease and Desist their collections. 

However, I just received a notice from : XXXX XXXX, XXXX XXXX XXXX XXXX OF XXXX, STATE OF NEVADA regarding XXXX XXXX XXXX vs XXXX XXXX. 

They want to file a Default Judgment on me. 

This is not my account. 

XXXX XXXX has Ceased all collection activity.
Consumer complaint received 2015-08-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

i went XXXX hospital er in XX/XX/XXXX was treated did not have ins. informed the intake person tha i could go to XXXX if that was a problem they said it was ok because of my condition the hospital resolved my bill. now its XX/XX/XXXX check my credit there is a bill from a company called procollect for {$940.00} i call they tell me it from a physicians emergency care i tell them i have never heard of these people nor have i ever received a statement/ bill of any kind, they say dont care pay or will destroy your credit ask for itemized bill they refuse. i called XXXX they tell me they no longer do business with physicians emergency care because of their wrongful billing of patients. in fact they were contract doctors and tHey are now out of business filed bankruptcy sold their portfolio to a third party and cant be found. PRO-COLLECT IS ILLEGALLY TRYING TO COLLECT ON ILLEGAL BILLING STATEMENTS THAT ARE TOTALLY FALSE AND WITHOUT MERIT. I AM ASKING THAT PRO-COLLECT REMOVE THIS COLLECTION ITEM FROM MY CREDIT AS THIS BREAKS ALL FDC PRACTICES AND LAWS
Consumer complaint received 2017-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (OR)

On XX/XX/XXXX i attempted to use my paypal credit account to pay for a subscription to the online tutor service XXXX.
Paypal neglected to disclose that some merchants, including course hero, may accept paypal, but not paypal credit.
Subsequently, i was charged XXXX to my paypal account. Had I been aware that XXXX did not accept Paypal credit, I would never have made this purchase. I called Paypal seeking rectification and / or dispute on three occasions throughout XX/XX/XXXX. Each time I was put on hold for upwards of 15 minutes before reaching anyone, each time I was " assisted '' by an individual who spoke too quickly or barely understood English at all, and in the third attempt I was placed on hold " while the agent looked into reversing the charge '', whereupon I was unceremoniously hung up on by said agent.
I have sent emails to paypal through their customer service section no less than six times. The first was a formal dispute of the charge, which paypal refused with no explanation other than " your request does not fit our description of a dispute ''.
The remaining 5 were increasingly-angrily-phrased demands for them to take responsibility for their failings, and ultimately to terminate my account with no further moneys taken from me.
Paypal 's responses to me consisted of an automated " we will contact you in 24 hours '' email ( which they have yet to follow up on three days later ), and a mailed notice stating I had been turned over to a collection agency.
Paypal also committed a violation of the truth in lending act when they decided to forgo completing a purchase I attempted through my Paypal credit account in favor of charging late fees and finance fees to my account. I attempted a purchase when there was more than enough available funds on the account, XXXX XX/XX/XXXX ; Paypal did n't even bother processing it, seeming content to twiddle their proverbial thumbs and then slap XXXX of fees onto my account on XX/XX/XXXX, which they then proceeded to refuse to reverse despite admitting fault for mishandling my transaction.
All attempts at remediation and / or contact with paypal have failed ; their phone systems are a robot-ridden maze of uselessness and their email systems are laughably automated. It 's a wonder anyone has ever gotten through to them at all.
Consumer complaint received 2017-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

My credit card was stolen out of my planer and I did not realize until I received my statement. I reached out to Citibank to dispute fraud charges on my account. XXXX issued credit for all charges then a month later did a charge back and closed my account. They will not talk to me via phone to resolve and said i must write into them. I want all fraud charges credited back to my account and account to remain closed.
Consumer complaint received 2017-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (FL)

XXXX XXXX XXXX came up on my XXXX trying to collect {$1300.00}. Ive never done business with this company. Ive never received any notice from this company. Ive never received notice from previous creditor. I was not aware of this debt nor do i know what its for. Account was opened XXXX XXXX, 2016 according to XXXX. I looked up XXXX XXXX XXXX and other people complained that this company also popped up on their credit for debt they do not know of.
Consumer complaint received 2017-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (GA)

I have a credit card from Citibank for 11 years now ; in XX/XX/XXXX I requested a credit line increase and when I did they switched me to paperless billing, so I did not receive a statement XX/XX/XXXX. 
By the time I realize it the payment was late and Citibank charge me a {$35.00} dollar fee and raise my interest rate from 11.99 % to 29.99 %! 
I then contacted Citibank and they reduced the rate back down ; however, even if I was at fault it 's incredulous for them to raise your interest rate for minor violation, but the reason I 'm taking the time to file this complaint is the egregious tripling of the interest rate ; even if I were a poor performing customer with a low credit score, it should be illegal for them to TRIPLE anyone 's interest rate.
Consumer complaint received 2018-05-09
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. (VA)

I called on XX/XX/2018 at XXXX XXXX  eastern time and spoke with two US representatives who did not budge on removing fraudulent inquires placed on my credit report. There were two glitches that occurred with Transunion as well, where it caused my inquiries to be removed and then placed back on. I'm extremely frustrated with this experience, because they were extremely unprofessional and this has caused my credit score to drop tremendously. XXXX and XXXX had no problem deleting every inquiry off my report with no issue what so ever.
Consumer complaint received 2018-05-09
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. (CA)

I filed a Bankruptcy in XXXX of 2011 which did not go through and was closed with out discharge by the BK court which makes not an official BK. I have disputed this with Equifax over the years to have it removed on several occasions to no avail and I am not happy. It is my understanding that Equifax searches for public records with out investigation and does not care to see if the BK is legitimate or not. I was told this by the BK court. Credit Bureaus should not be allowed to do this kind of unfair, predatory and hurtful practice on consumers and they should be punished. It has been on my report for seven years something that was just filled closed with out discharge and never official. The rules need to be changed on how you the credit bureau collect a serious public record information like this. If a BK is official and goes through the courts and is approved sure it is legitimate put it on the report. If it never goes through and gets discharged or dismissed you the credit bureau should have it as a public record on that persons report therefor hurting the consumer by reporting something that was never made official and was only a filed document. I am going to request again to please have my BK removed immediately. If it is not removed I will take further action and go as high as I need to go with the Federal Government to get this removed and make sure you the credit bureau don't hurt the consumer with this unfair and predatory practice again.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-05-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (UT)

I have been called multiple times by two different collection agencies in Utah. One is called XXXX   XXXX and one is called the CBE Group. The CBE Group has been abusive and has refused to stop contacting me despite the fact that I have told them multiple times that I have never received any notice from them in writing. They have told me that because they sent it, it doesn't matter if I received it. The two collection agencies are trying to collect on the same debt.
Consumer complaint received 2018-05-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (NV)

Originally there are four payday loans that were originated at XXXX XXXX in XXXX Nevada. Before they charged off I attempted to contact XXXX XXXX in collection department and they refused to get a manager involved so I can settle this before it charges off. They go ahead and charge off all for loans. One is in the amount of {$270.00} one is in the amount of {$190.00} one is in the amount of {$480.00} and one is in the amount of {$670.00}. I presume that that includes the interest at the time of charge of. And then went to a XXXX XXXX company called Ad Astra in XXXX Kansas. On XX/XX/2018 I did call And spoke to XXXX. and I offered them an {$800.00} settlement the response that I received from this company was " oh I can't even consider that because this was not has not even been reported to your credit profile '' pull the call, apparently they are recorded ... Well that is the purpose to try to settle this so my credit profile is not damaged. XXXX XXXX refused to speak with me regarding a settlement and so is Ad Astra their address is XXXX XXXX XXXX XXXX XXXX XXXX Kansas XXXX their telephone number is XXXX. Their collectors are quite rude so I asked to have a manager call me. I did request that a do-not-call be provided due to the collection efforts on this however no one can ensure me that I would only be called once a week or once a month. I requested personally for a manager at Ad Astra to return my call as of today 's date there has been no such call. Respectfully, XXXX XXXX