davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (TX)

This debt is over seven years old. I have talked to them and asked them to remove it. They informed me that while they could not sue me after two years for the debt, they could report it for as long as they wanted. I went on line and verified that this was untrue. I then pointed this out to them, and they told me that it had been sold to them and that the debt date had started over. Many years ago when I bought this TV from Cons, I bought a warranty that covered physical as well as technical damage. When the TV sustained physical damage, they would not honor the warranty yet wanted me to still pay for the TV. The tricked me many times into making a payment, promising me to have the TV repaired. After I would make the payment I would not hear from them until it was time to make another payment. This went on for sometime, until I got tired of going around in circles. I also found out that I was not the only one dealing with this sort of thing from Cons. There is a blog on line in-regards to customers going through the same thing. If you ask them to let you listen to past conversation, which they claim to have recorded, yet can never remember the promises they made to me, it will backup my complaint. Thank you for any help.
Consumer complaint received 2016-09-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ATG Credit, LLC (CA)

Attempting to collect an expired debt from 2008. Atg credit is repeatedly calling me and harassing me. This is an expired debt. They also refuse to remove it from my XXXX credit report. The original creditor was career education corporation. I paid this debt in full when I was attending school. Years later they tried to say I did not pay XXXX dollars I did actually pay. This is fraudulent, as well as being expired debt.
Consumer complaint received 2017-11-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Dear Sir, I am writing you to request a loan modification. I purchased my home in XX/XX/XXXX.The mortgage I received was 80/20 mortgage later the 20 mortgage turned into a line of credit with a rate 8.60 that  balloons in XX/XX/XXXX. I work for XXXX XXXX at XXXX located at XXXX XXXX XXXX XXXX, Delaware. XXXX XXXX telephone is XXXX XXXX XXXX. My boss is XXXX XXXX. A new company takes over XXXX the first of the year XX/XX/XXXX. The new company has not said if they are going to keep XXXX XXXX. My hours have been changed to 24 hours a week. I was paying {$1600.00} a month in mortgage payments to pay off the loan by XX/XX/XXXX. I can no longer pay {$760.00} to Bank of America a month. XXXX XXXX holds the XXXX mortgage which is {$850.00} at a rate 3.00. 

Here is a list of my present estimated bills : XXXX XXXX XXXX XXXX {$210.00} IRS {$1200.00} Bank of America {$760.00} XXXX XXXX {$850.00} extra {$20.00} towards escrow XXXX XXXX {$260.00} XXXX {$250.00} XXXX {$130.00} XXXX {$45.00} XXXX {$28.00} XXXX {$77.00} XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX {$200.00} Food/Clothes/living expense/doctors/ house maintenance/XXXX XXXX {$500.00} Income XXXX XXXX {$690.00} Social Security {$1000.00} Post Office {$1700.00} Thank you for the loan Modification as you can see from the past I pay all my bills. This present loan with Bank of America is going to mature in the year XX/XX/XXXX and is a balloon mortgage, and I would like to pay it off on time and keep my home.
Consumer complaint received 2019-08-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (NC)

The company I’m talking about is XXXX. I don’t owe the amount they said I do it is not true and I need some one to help me with this problem the debt is coming from a  apartment complex  my route was only XXXX and I only missed two months which is XX/XX/XXXXand XX/XX/XXXX I was not living there I moved out  before XX/XX/XXXX.  The only reason why It got that high is because I had XXXX XXXX and was hospitalized so I could not work and I let them know what was going on to ask for hardship and they had no sympathy and I think they put the mount up very high just to destroy my credit
Consumer complaint received 2015-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (OH)

I was recently informed that I owe a debt in the amount of {$5000.00} ) to XXXX XXXX which is a property manangement co. used by an apartment I used to rent from. I wasnt evicted nor did I violate my lease. I moved out at the end of my lease. The property has since been sold I do n't believe that debt is correct. I have contacted Hunter Warfield Collection Agency at XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX 2015 and asked to Please send me written verification of the debt. To date I havent received anything from them. This debt is preventing me from renting an apartment and I had to move in with my parents.
Consumer complaint received 2023-07-16
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. (TX)

BELOW INQUIRIES WERE DONE ON DATES STARTING IN XXXX AND CONTINUING UNTIL XXXX XXXX. I DID NOT AUTHORIZE ANY OF THESE DURING THESE TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (MD)

I received a letter in the mail requesting collection of debt XX/XX/XXXX for a Citibank card. The letter I received says I allegedly owe {$1400.00}. I contacted Citibank to verify what information was in their system to validate the legitimacy of the letter, at which point I was informed that the debt was being managed by a separate collection agency/law office. I found this odd because the debt was not on my credit report and in XX/XX/XXXX, I received a letter stating my inactive account was being credited for an identity or credit protection service I had during the time my account had been active. Also in XX/XX/XXXX, I received in the mail a pre-approval letter for the Citibank Diamond Preferred card, which further confused me. Yesterday, XX/XX/XXXX, I received another Citibank card offer for a ThankYou Preferred card. If I had outstanding debt with Citi, why would I be eligible for their top cards?
The 3rd party organization also sent a letter claiming to file a foreign judgment with the current state I 'm living in, which I do n't even understand what that means. 

This matter has resulted in further research and I uncovered that Citibank broke the law by providing inaccurate and inflated interest rate information for about 130,000 credit card accounts it sold to debt buyers. The bank also was accused of failing to promptly forward about 14,000 payments from customers, totaling about {$1.00} XXXX, to the debt buyers. When I reached out to the 3rd party company that sent the letter, I was told that only {$200.00} worth of payments to Citibank was recorded associated with the inactive card account, which again makes no sense. 

I also learned that from at least XX/XX/XXXX to XX/XX/XXXX, Citi used misleading statements to get people to sign up for debt protection services, and charged for credit monitoring services it sometimes did n't provide, the consumer protection bureau said. XXXX also charged a {$14.00} fee for same-day payment on delinquent accounts, a service that most users did n't need, according to the agency. Which I had clearly been a victim of due to the refund letter received.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2017-11-16
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX XXXX To whom it XXXX concern : In reviewing my credit report i discovered that my file fail to include information that i know is important to providing a complete portrait of me as a consumer. I request that you add the following information to my credit file. 

Last Reported : XX/XX/XXXX Creditor Name : XXXX Account Type : Credit Card Open Date : XX/XX/XXXX Limit : {$30000.00} Monthly Payment : {$300.00} Responsibility : Individual Balance : {$99.00} Highest Balance : {$99.00} Payment Status : Current Worst Payment Status : Current Amount Past Due : $ XXXX Times 30/60/90 Late : 0/0/0 Rent Reporters Acct # XXXX Last Reported : XX/XX/XXXX Creditor Name : Rent Reporter Account Type : Rent Open Date : XXXX/XXXX/XXXX Limit : {$3800.00} Monthly Payment : {$3800.00} Responsibility : Individual Balance : {$0.00} Highest Balance : {$0.00} Payment Status : Current Worst Payment Status : Current Amount Past Due : $ XXXX Times 30/60/90 Late : 0/0/0 If  you need additional information from me i can be reached at include phone number. Please inform me if there is a fee for this service. 

Sincerely XXXX XXXX
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I received several alerts from XXXX that I had several new inquiries on my Trans Union credit report however, I had not made any inquiries. So, I contacted Trans Union and spoke to representative XXXX and then her supervisor XXXX/XXXX who both admitted to me that they were aware of a system issue that was causing this and they are currently investigating this issue but do not have a timeline on when it would be fixed, however, they denied to remove the negative inquiries from my report. They are fully aware that they have system issues and that they are illegally adding credit inquires to individual 's reports but refuse to correct their mistakes. I would like the credit inquiries removed immediately in which some are showing 2 or more times. The illegally added inquiries are as follows : XXXX - REMOVED AND ADDED 3 TIMES XXXX XXXX - REMOVED AND ADDED BACK 3 TIMES XXXX - REMOVED AND ADDED BACK 7 TIMES XXXX - REMOVED AND ADDED BACK 3 TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union has admitted wrongdoing but refuses to correct the issue that their system has caused.
Consumer complaint received 2017-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BOK FINANCIAL CORP (OK)

On XXXX XXXX, XXXX, XXXX and XXXX XXXX noticed fraudulent charges on their Bank of Oklahoma checking account. Bank of Oklahoma resolved this issue quickly. On XXXX XXXX, XXXX, there were additional fraudulent charges. The fraudulent charges continue to rack up along with overdraft charges in the amount of {$32.00} five times a day. This has caused our account to be negative. When we tried to dispute the charges and resolve the issue, one of the steps we took was to close the account ( we thought ) and open a new checking account still with Bank of Oklahoma. We were told the dispute would be resolved within two days. This was hardly the case, as two weeks later we had to visit a physical branch location once again to resolve the problem. 
We have been loyal customers for over five years, but this loyalty was not returned with the superior customer service that they claim in all advertisements and branches. We went to the bank at XXXX and XXXX to try and once again resolve the open issues. XXXX spoke with the branch manager XXXX and five separate individuals in the fraud department to attempt resolution. XXXX XXXX, the fraud department head, informed us that Bank of Oklahoma believes that XXXX not only made the charges herself but that she is attempting to extort this money from Bank of Oklahoma. 
Additionally, when the new account was opened, XXXX, a bank worker, wrote the pin down on a post-it note and stuck it to the paperwork given back to XXXX. This is apparently against bank policy as when this was told to XXXX she shook her head as if this was impossible. 
XXXX informed XXXX and XXXX that not one of the disputes would be resolved and that they would be leaving the bank with nothing but accusations. This failure to assist a customer in their greatest time of need is nothing short of astounding.
Consumer complaint received 2015-04-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Capital One contacted me by telephone, leaving a recorded message about my credit card. They asserted that fraud was involved with the card and that they were replacing it. When I called and asked about the issue, I was told " everything was fine ''. I asked to speak to a manager about what had happened. I received no more information, other than that they were investigating fraud. 
After a month, with no explanation forthcoming, I called Capital One on XXXX XXXX, 2015. Again, I got no answer, despite talking with a manager. He said they were " investigating ''. I asked what they were investigating and got as a reply " a data breach ''. When I asked where, I got no response. 
Either the card is very insecure and, the company 's actions are questionable, or there is some major issue involved that the firm is hiding. 
Please help me find out what is going on.
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

dealing with my bank on a new line of credit. they received a negative credit report. when contacting credit reporting company I was referred to another site for a free report, the problem the response would take up to 2 weeks. and due to the time constraints placed on me by the bank, that was n't going to work. my only option was to be come a member of that credit agency. 
after paying the fees, what I got was a report with only numbers. no company names or contact phone numbers. I called the credit agency 4 times trying correct this problem to no avail.during this time I had purchased {$1.00} seven day service. to get a corrected report it cost {$29.00}, and still did n't get a corrected report they also have a 7 day cancellation. I canceled within 3 days. I was sent an email from this company asking if I really wanted cancel. meantime I received a letter from the bank I was working with telling me my line of credit was denied because of the negative credit report. they gave me an XXXX number if I wanted to see the information the credit agency had gathered. I call the number gave them all the information they requested. 2 days later I got a letter from this company claiming the information I had given then on phone was not correct and had to submit additional paper and pay a {$10.00} fee. I was certain I saw a credit on the visa web site from this agency. checked the same visa web site the credit was gone. called visa, the rep I spoke to said she could get this company on the call and we could work this issue out. the person from the the credit agency said she could not refund my money that a supervisor would need to do that, told her, fine put your supervisor on the line. in the transfer process naturally I was disconnected. trying to get a credit report from this agency at best is horrific and worst a nightmare. I do n't have any documentation to backup my story, because when I thought I saw the credit on the vise site from this agency I deleted all the emails
Consumer complaint received 2016-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I wrote a certified letter to Transunion XX/XX/2015. As of this date - though they have been very helpful in my attempts to correct other elements of my credit reports, Transunion continues to list addresses that have nothing to do with me. 
They are part of the identity theft while I was out of the country. 

Kindly help to encourage Transunion to respond to my pleas.
Consumer complaint received 2017-11-16
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: Experian Information Solutions Inc. (FL)

I 'm beyond exhausted trying to get Experian to correct the numerous errors on my file! 
I 've called them several times and written them as well. I have all supporting documents that back up my disputes I have sent Experian my police report and all other documents to have them look into this matter. Experian is reporting accounts that I have no knowledge of and that do not belong to me. Some of which were previously deleted and reappeared! When I complained through the BBB they stated they could n't find my file in their system. My Experian file number is XXXX. The accounts are the following listed : XXXX XXXX, XXXX, XXXX XXXX and XXXX. XXXX XXXX is absolutely inaccurate! This debt buyer was sending me fake robo-signed court documents which I hired an attorney for and they were served a cease and desist order! Experian is taking a huge risk being that portfolio recovery was ordered by a judge to terminate false reporting. The CFPB sued XXXX XXXX ( File No. XXXX ) where XXXX XXXX was ordered to pay {$19.00} XXXX in consumer relief and {$8.00} XXXX in civil monetary penalties. XXXX is still falsely reporting for an account I never had! This is my final warning to Experian as they have ignored my disputes. Experian needs to remove and delete the accounts disputed. Experian has violated the laws of the FCRA where it states they 're suppose to block and delete accounts opened as a result of identity theft within 15 days! I 've notified our city attorney general 's office and I 'm willing to talk to the media about this! This complaint acts as my final notice before I take legal action. To ensure compliance and to halt a lawsuit I will take against Experian ; Experian needs to respond to me within 15 days. Failure to do so will act as evidence of Experian 's infringement upon my legal rights and I will immediately seek legal avenues to remedy this situation.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending this message in regard to the problems i see listed on my credit report. 
Personal Information : XXXX XXXX is correct. XXXX XXXX & XXXX XXXX is reported in correctly. Address : All the address listed on my credit report is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, all accounts listed under this address i am unaware of and is fraudulent. I have sent several certified letters over to dispute this claim in a professional matter and you haven't responded since 2017. I was affected by several breaches over the year and i am a victim of identity theft. You have violated my rights as a consumer. This is my final notice and message to inform you of litigations. I am forced to take this matter to court along with all evidence and paper trail work. You have violated my rights as a consumer in the FCRA section The Fair Debt Collection Practices Act ( FDCPA ). re-aging an account by updating the false date of last activity on my credit report in the hopes of keeping negative information on my account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation.FRADULENT ACCOUNTS : 1. XXXX XXXX XXXX  {$10000.00} 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX {$15000.00} 5. XXXX XXXX {$12000.00} 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX FRADULENT INQUIRIES : XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX XXXXXXXX 5.  XXXX XXXX 6. XXXX XXXX XXXX 7.  XXXX XXXX 8. XXXX 9.XXXX XXXX 10.  XXXX XXXX
Consumer complaint received 2016-12-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (FL)

Pleas be advised, I am requesting that XXXX XXXX XXXX XXXX reporting debt needs to deleted from my credit profile it needs to be removed due to inadequate valid reporting of me having a signed contract with them. I clearly have no financial obligation with the company, and by law they need to be removed from my credit report profile. By law a collection agency can not report a debt to the credit bureaus which has not been validated and I have addressed the needs to this company over and over for a whole year and the problem at hand has not been corrected. Again, I do not have a financial obligation with those company listed. Do not confuse Verification with validity. I have proof where I have sent this company lawful notices of FDCPA SECTION 809. Validation of debts [ 15 USC 1692g ] XXXX XXXX XXXX XXXX has failed to respond to my disputes within a timely manner, with a proper response. 
XXXX XXXX ( the consumer )
Consumer complaint received 2016-07-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Duncan Solutions, lnc. (MD)

During a review of my credit, PROFESS ACCT was listed and attempting to collect XXXX debts. I contacted the company, and the representative initially could not locate either debt. After several attempts, the debts were located but limited information was available. I contacted the XXXX using the limited information and was given further instructions. In any event, the first debt resulted in a case of mistaken identity ( Similar name, wrong person ). As for this debt, which is listed as a parking ticket, I have no record of receipt. Therefore, I am disputing this debt. I have contacted the XXXX and requested more information. However, I have not received anything to date. I have also sent PROFESS ACCT a letter disputing this debt.
Consumer complaint received 2015-12-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: GET A RATE LLC (NJ)

i was contacted by someone who came to my house. He promised to would get XXXX of equity of the house at closing if i paid him. i closed and got no money, i am now in a mortgage i cant afford - they lied about my income. i cant make payments and need to fix the apartments for tenants. lacking the money.