davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Heartland Resolution Group, LLC (VA)

This is a continuation of two prior complaints I have filed against Heartland Resolution Group LLC. The two prior complaints are XXXX and XXXX. Both of these complaints were closed because, according to Heartland Resolution Group, they " could not identify who has submitted this complaint ''. Heartland Resolution Group - here are YOUR REFERNCE numbers of accounts in YOUR computer systems, which YOU gave to ME. These should suffice to identify me as these are literally the reference/account numbers YOU ASSIGNED TO ME - # XXXX and # XXXX. I am not going to give any personal information over this platform, especially when these accounts are for a MINOR. You can look me/the minors account with those two reference numbers as they are YOURS, as noted in the letters YOU mailed to me. Heartland Resolution Group ( HRG ) is a scam company attempting to collect debt that is not owed and/or time barred. HRG works with XXXX XXXX XXXX, XXXX as their unlawful " debt collectors ''. XXXX XXXX XXXX purchases medical and billing information from XXXX XXXX XXXX. XXXX XXXX XXXX sells their patient's/client 's personally identifiable information without written consent from the patient/client. Heartland Resolution Group has been mailed, by me a dispute letter disputing these unlawful and DEBTS NOT OWED. I have also included a CEASE AND DESIST all communications from Heartland Resolution Group to me. I do not owe you anything. I have called XXXX XXXX XXXX and inquired about these alleged debts. They have on all occasions on a recorded line stated that they have forwarded any unpaid medical debts under my or my son to XXXX XXXX XXXX and they even went so far as to deny knowing who HRG even is. Leave me alone, Heartland Resolution Group. Stop your unlawful debt collection practices. I do not owe you or anyone ANYTHING. I have reached out to an attorney for help as well my state 's Attorney General. You are a scam company. Get real jobs and stop preying on innocent consumers. Thanks.
Consumer complaint received 2018-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: STATE FARM BANK, FSB (NY)

On Sat evening at about XXXX I called State Farm bank to cancel or report my card lost. I was driving. I provided full name, address, social security #. Phone numbers. Authorized users. I was unable to provide account number as card was lost. They asked for a security question that I did not know. I could not answer a text as I was driving. The company refused to accept my request to block the card. I advised I was not looking for reissue at that time ... wanted the card blocked. They refused -stated that they could not confirm my identity. I provided home phone number, approximate balance, approximate credit limit, last purchase, last payment ... state farm agent. 

the process promotes fraudulent use of a card when a consumer is providing due diligence in their efforts to protect the account.
Consumer complaint received 2019-08-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

So this all started on the XX/XX/2018 and that's about the time they sent me several letters they had called me several times but never left a message to let me know that it was them I think that was to do with the law or something but the whole matter is that the day of the court case which was of XX/XX/2018 when that was filed well we had made arrangements before it had to go to court like it did and I had been trying my best to she thought in contact with them and we came up with paying {$30.00} each week I was doing that and this process I get another thing saying that the court case was still happening to my knowledge I was told that it wasn't going to happen I called them I asked them about this they said do not worry about this they said in this case you do not have to go to court because we've already made payment arrangements on this and you have been paying at this time like you should so I've been paying and then I get another one a week later from the first one that I got stating that now to court case has gone through seeing how I did not show up that I lost the case I was told by these people that I did not have to show up to the case because everything was taken care of they lied to me about this in the end they are garnishing my wages which whatever the whole thing is that they tacked an the whole thing is that they tacked an extra {$450.00} on what I already owed them after I just paid off {$550.00} but they had already been paid out is a $ {$1400.00} bill so with that I just found this page and read everything and saw that oh my God they can't do this so that's why I'm getting a hold of you please look into this case XXXX XXXX XXXX is the attorneys that filed this through a place called Portfolio Recovery XXXX XXXX is who had the debt at the time the original debt comes from MasterCard credit card something that happened 7 or 8  years ago I'm not sure but there's one thing that I know is that they lying to me about this and now that I see that they can't get away with that that it isn't law that they can not lie to you which I did not know I thought they could do whatever the XXXX they want if you owed something somebody II do anything they want I did not know that there were stipulations on this so that's why it took me so long to get a hold of somebody
Consumer complaint received 2018-11-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

75 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid - Payment Status Details Current, was past due 60 days Paid or paying as agreed - Status Updated XX/XX/XXXX - Balance {$48000.00} This account is reporting on my credit report, its not my account
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CA)

I received a letter regarding my USBank XXXX XXXX credit card month ago, and said it's under review and access is limited. After calling them they told me account is closed, and there is nothing they can do WITHOUT ANY REASONS. I have this credit card for almost 6 years and everything is in good standing, and still have about {$50.00} in rewards that haven't redeemed yet.
Consumer complaint received 2022-03-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-03-30
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: Experian Information Solutions Inc. (TX)

In XXXX my wallet was stolen. It contained my credit cards, debit cards Drivers License and Social Security Card. I canceled the credit cards, got a new drivers license and social security card. Upon reviewing my credit reports, someone has been applying for credit cards several times in my name creating fraudulent inquiries. Luckily, it looks as though only 1 account was opened in which the bank immediately closed and the credit angenies took off of my credit report. However, all of these fraudulent inquiries remain. I have taken all the necssary steps including sending a dispute to the credit reporting agencies ( all 3 ) by certified ( Priority Mail ), filing a police report with the XXXX Police Department, that should be at the agencies no later that XX/XX/XXXX.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (CO)

I had XXXX service when I moved to North Dakota in XX/XX/XXXX. When I arrived in North Dakota, I discovered that my service no longer worked. I call customer service only to find out that XXXX could not provide service in North Dakota. XXXX sent me forms to fill out so that I could return my equipment and told me that I would not be charged for the equipment or service since I arrived in North Dakota since they could not provide service. I was given an amount to pay that would bring my balance to XXXX   and assured that I would not be charged any additional amounts. I returned the equipment and paid the bill as instructed, but continued receiving bills for additional service charges. I call XXXX and was informed that their system simply had not been updated and that I owed nothing. Eventually the bill stopped coming, so I assumed everything was corrected, however, in XXXX, I found that XXXX placed the account with collections. I paid the collection account as a matter of eliminating the nuisance of collection, but now find that XXXX XXXX is reporting a collection tradeline on my credit report and is refusing to remove it. This account should never have been placed with collection and the collection tradeline is causing material harm to my credit and is preventing me from obtaining necessary financing.
Consumer complaint received 2018-11-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (AL)

A company called XXXX XXXX calls my residence each and every day starting around XXXX XXXX in the morning. They called 3 times on XX/XX/XXXX, 3 times on XX/XX/XXXX and 2 times on XX/XX/XXXX. This is when I started to keep up with the calls but it has been going on for weeks. I don't owe this company any money I have never done business with this company and it is annoying.
Consumer complaint received 2018-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (OH)

Thanks current PayPal account it is impossible to find your deferred balance on their app even though thats how the purchase was made they send some information but not when the big interest is due its fraud Thanks in advance XXXX XXXX
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello to whom this may concern. I'm making this complaint on behalf of my self. 
I extended my credit to CAPITAL ONE AUTO FINANCE which CAPITAL ONE AUTO FINANCE stated that they're unable to provide me with an offer. I don't understand how I a consumer can be denied an extension of my own credit. I've contacted them about the matter where they ignored my request to resolve the matter. I think it its unlawful according to the Equal Credit Opportunity Act for a consumer to be denied because I exercised my rights with good faith in accordance with chapter 15 of the United States Code. I'm sure together we are able to resolve the matter within a reasonable amount of time with out causing further damages as there is civil and criminal liability for this behavoir.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

XXXX XXXX appears on my credit report. The info is incorrect is not mine and despite many times now asking for it to be removed the bureaus investigation is never done correctly or at all so items never go away or reflex proper info
Consumer complaint received 2019-03-30
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. (VA)

A week ago i received two letter from XXXX, XXXX , XXXX XXXX XXXX, PA, atty/collection, file number XXXX as retained allegedly by XXXX XXXX XXXX. Office stated they are attempting to collect on XXXX XXXX debt from late XXXX thru mid XXXX that I actively and aggressively disputed then and now. 
( CFPB has all listed attempts on file ) I disputed the debt thru XXXX  with this office XXXX, i disputed debt with bank in XXXX and I dispute debt now, and this issue should have been resolved with bank in XXXX. 

I want to know why this agency is attempting to collect on a falsely created debt that was disputed in XXXX.
Consumer complaint received 2021-12-06
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. (NY)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2017-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (FL)

I had a XX/XX/XXXX report at XXXX with XXXX XXXX XXXX, then in XX/XX/XXXX I tried to open a business account at Well Fargo where I was a secondary signee.
The account was opened and after a few days it was closed because of the XXXX record. I did not have 7 days with the account and no transactions were done. Wells Fargo also kept the {$100.00} dollars I opened the account with.
After I was denied opening a business account at Wells Fargo onXX/XX/XXXX I requested a report and this is what I found : Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause.
Wells Fargo has created a file just because I tried to open an account, I have done nothing to defraud anyone, ever.
The XXXX record with XXXX XXXX XXXX was due to overdraft fees from a payday Loan company that stubbornly kept doing the check presentation even after I talked to them about my situation to make an arrangement.
I am not a con man or a schemer. I just fell in a long unemployment period, which last time I check it is not a crime.
The XXXX XXXX is lazy. Everybody is thrown into a pool with the criminals and the XXXX XXXX of this world. Who is going to fix this system?
I request that these reports should be totally purged from my file. I have been delivered an economic XXXX XXXX, and possibly an employment opportunity just because of unemployment.
Consumer complaint received 2018-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Loan # XXXX We have been working on solutions to avoid foreclosure. The Mortgage company always appears receptive, and then does the following once were close to foreclosure date. 

# 1. Says certain paperwork didn't receive in a timely manner. 
# 2. Paperwork missed a check box or was the wrong document. 
# 3. Says there is no paperwork received. 

This has happened over and over. The most recent situation is my next door neighbor made an offer and the mortgage company said they would open my loan for a short sell. I sent them the paperwork, and then followed up on-line. They closed my access to the on-line area and said just to print off the paperwork I needed, and send it, which I did. 

They then said they didn't get it in time, and have moved forward with foreclosure. I don't believe they want a resolution on this property.
Consumer complaint received 2018-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (IL)

On XX/XX/XXXX, I got an Alert from my XXXX XXXX that my credit score had dropped. I pulled a copy of my XXXX credit report and noticed that two identical bill for XXXX XXXX had been recently added from two different Collections  Agencies ( XXXX XXXX & Receivables Performance ). 
The problem is that I was never contacted by the Collection Agencies and the account with XXXX XXXX XXXX was paid in full back in XXXX.
Consumer complaint received 2018-11-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

My problem is with Navient. I feel their goal is to keep you in debt forever. They are now in a class action suit, which I only found out about because they stopped sending me statements XX/XX/XXXX and I had called to find out why. I was told it was because of bankruptcy. I am a cosigner on this account with my son so I said I hadn't filed bankruptcy, so it must be my son. They said yes. This was very upsetting to me so I called my son & no he hadn't filed. After a few more calls to Navient, I found out they had a class action suit against them. Also, even though I was not getting a bill I am still being charged interest. 

My statements that I had been receiving state that currant amount due is XXXX. Past amount due is XXXX. Unpaid fees XXXX total payment due XXXX. And on this statement due XX/XX/XXXX the interest is {$35.00} yet on my payment history is was charged {$56.00}. 
Another complaint is that I had a name change in XX/XX/XXXX which I verified with Navient by a copy of my marriage certificate. My name was changed but of XX/XX/XXXX they changed it back to my previous name.
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Last week I noticed that For the last 9 months I have been getting a fees for XXXX dollars every month. I have had a scheduled {$100.00} payment set for the XXXX of the month for that whole time. I called Bank of America and told them I felt like these fees were frivolous as the account was set for automatic payments and they said because the month closes on the XXXX a payment on the XXXX is late. But I set up the automatic payments on their website specifically so I wouldnt have to worry about late payments. I had not received any alerts saying I have been hit with a fee. I called today and they will only refund 2 of the fees.
Consumer complaint received 2018-08-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is apparently looking into an entry on my credit report that is usury in nature- investigation has taken over 30 days, Transunion responded to complaint -XXXX but it did not come close to addressing my issue and the investigation is still open. Please note that Transunion is the only reporting agency who has this usury account listed, the other two removed it as it is illegal
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BHFC Financial Services INC (AZ)

I filed bankruptcy XX/XX/18 and XXXX XXXX was included in the bankruptcy that was totally discharged in XX/XX/18. This company has not reported on my credit report that the loan was included on the bankruptcy.
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc. (VA)

I received a call this morning from XXXX at XXXX, this person asked to speak with me and I said, " May I ask who's calling? '' because I did not recognize the voice nor did they list a business name. They stated, " XXXX XXXX '' even though it was a male 's voice. Then in a extremely stern voice, said, " Now is this XXXX XXXX '', I said " Yes, may I ask who is calling? '' in hopes that they would give me a business name. I honestly panicked because it was a local number and I thought it might have been one of my children sick at school or something. At this point XXXX raised her voice and said, '' MA'AM I just told you who it was this is XXXX XXXX and I am calling with National Credit Systems ''. I said " yes, and what is this in regards to? '' and She yelled at me again and said " MA'AM I'M TRYING TO GET THERE IF YOU WOULD LET ME ''. At this point, I stated " uh, uh, no ma'am I don't have to take that kind of tone, '' basically asking her to calm down and she hung up on me. I called back twice at XXXX and XXXX trying to speak with a supervisor to report the call and to figure out what the debt was for and both times they continued to try to collect the debt instead of listen to me and the call at XXXX when I tried to escalate, they hung up on me again. Then the call at XXXX, I actually corrected my information that they had incorrectly on file, which goes to show I was willing to speak with them and not irate, but when I mentioned filing a complaint, I was told twice that there was no one I could speak with in regards, to my complaint.
Consumer complaint received 2018-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I notified XXXX, XXXX, and Transunion of the following collection : XXXX XXXX XXXX for {$250.00} not being validated. On XX/XX/18 I requested that the bureaus conduct an investigation and validate this account as I have been unsuccessful. Neither bureau has been successful in validating the collection but they all continue to report in as a " verified account ''.
Consumer complaint received 2018-11-03
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: NCC Business Services, Inc. (WY)

I have a collection on my credit report from ncc for the company XXXX XXXX in XXXX XXXX Wyoming. The amount is for XXXX dollars and first they tried to tell my fiance not to bother to come to the hearing that was at a a later date thrown out of court the debt was for supposed damages and late fees that was compiled by paying rent 2 days late for months not knowing about this and was never told about the debt. This was in XXXX to XXXX.