davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible. Under the Fair Debt Collection Practice I command my consumers rights under sections. 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts
Consumer complaint received 2020-09-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

About this situation covid -19 I lost my Job, I call to resolve the problem and all communication with the company I offered to pay small portion to make another payment an a few days when I call the said your account is completely close and you need to pay in full. Both company the same capital one and XXXX  XXXX. Capital one balance XXXX aprox. And XXXX  XXXX XXXX. This crisis affects to me emotional and personal. I need help please I dont want bad credit. Credit is the key to keep financial up. Thank you, XXXX XXXX
Consumer complaint received 2021-08-23
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (NY)

This company is reporting and attempting to collect an alleged {$16000.00} deficiency balance. Please be advised that I dispute the legal validity of the alleged deficiency balance. They are attempting to collect a deficiency balance that I am not obligated to pay. Specifically, they have not provided me with the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law. As per the law, cease and desist all collection activity, including all credit reporting.
Consumer complaint received 2021-04-15
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

According to ARS COLLECTION SERVICES, there is a debt under account # XXXX for ( {$1000.00} ) and account # XXXX for ( {$740.00} ) .These accounts were previously disputed 3 times with all 3 credit bureaus. The accounts were never validated and yet they still remain on my credit report. I never had any services rendered from ARS for them to collect a debt from me. ARS COLLECTION SERVICES failed to validate the debt by providing me with a breakdown of charges, diagnosis, and/or procedure for services rendered. In addition, the original creditor, XXXX XXXX XXXX released my medical records to this third-party collection agency without my knowledge or a signed release authorization. My HIPAA rights have been violated and I demand you close and remove this from my credit report immediately or I will take legal actions on this matter.
Consumer complaint received 2022-07-05
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: The Outsource Group, Inc (GA)

On XXXX, I called Medicredit to informed them that company has not filed with the second insurance company the Lady refuse to help fix problem. I have reached out to billing company twice to let them know that they have not filed with the second insurance company but hae had no luck with getting it taken care of. I was told by the Manager to talk with the Doctor on XXXX to have them fix it. I tried to explain to Medicredit but the lady refuse to talk with me unless I gave her my work information.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

In XXXX I noticed XXXX and XXXX XXXX XXXX were showing incorrect accounts that were my ex-husband 's. I contacted them over and over and over again. Writing down names and times. Each time, they said that they were taking care of the issue. I even sent a notarized report they asked me to fill out. That was on XX/XX/XXXX. I received a letter reading that the matter was settled on XX/XX/XXXX. I still called because I could see that it was still on my report. I needed to go to XXXX XXXX to get a job, but couldn't do that without financial aid, which I could not get because of this. Thus, I would call again and again, the last time being told that on XX/XX/XXXX they had told the three credit reporting agencies to remove the account. But each time, they also put a caveat that I must fax in the credit report ( current - not past 60 days ) and then they would remove the problem again by contacting all the agencies. Or I could have the agencies contact them. I did both. And the credit agencies, when I followed up, all stated that they had called that company, but had not received the information requested. I finally gave up at the end of XXXX for school. I figured that the 7 year law would kick in and they would HAVE to follow the law. Still I called and went through all the loops all the way until today. Today I received a denial for my student loan because of this. Thus, I contacted all of the above again. Again I was given the same information, " Oh! It should have been removed. You can fax or mail your most current credit report, not past 60 days ), then we will make sure it's removed. Or you can have the credit agencies call us. '' When I asked them how long this would take, I was told 30-60 days on their end and probably the same for the credit reporting agencies. I stated that was too late. So I called the XXXX financial aid office to explain, but they said they don't have anything to do with it as these are federal loans. I will re-fax and send certified mail as I have in the past and then call. But now, it's past the 7 years, how can they still hold me hostage on the three credit reporting agencies. Now I know why I couldn't receive credit to purchase a car I desperately needed for my job. This is messing up my life for something that I did not do and is now against the law as it should have fallen off XXXX, XXXX for the FCRA and I feel now, that it's hopeless.
Consumer complaint received 2022-03-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (FL)

Jeffersons capital has been threatening me with a lawsuit for a vehicle I no longer have and was repoed back in 2018 I believe. They are trying to sue me for the remaining balance and the vehicle is no longer in my possession. I had no idea that I would be responsible for a vehicle I no longer have. This has caused an immense amount of stress and paranoia for me.Code UCC 9-613
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

Experian is reporting a Foreclosed mortgage. The property was foreclosed on and sold XXXX XXXX, XXXX ( see attached ). Therefore the Date of First Delinquency was no later than XXXX XXXX. This is reporting past the Federal Statute of Limitations in violation of The Fair Credit Reporting Act. The other XXXX bureaus have removed this. Experian needs to abide by the law as well.
Consumer complaint received 2022-03-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (FL)

Im writing this letter concerning the SANTANDER XXXX account listed on my credit report which is owned by my ex-husband. I have the court order from the divorce decree that Im not held liable or responsible for the vehicle that I co-signed with my ex-husband. This vehicle continues to report even after the date the court order was given and the divorce decree was granted. It is tiring and expensive going back and forth sending dispute letters to the bureaus and they do not mind reporting the same inaccurate information over and over. Under Sec 1681 of the FCRA, the credit bureaus must delete inaccurate, unverifiable, missing, or outdated information on my credit report. If this account is not reporting 100 % accurately, I request deletion immediately. This reporting is totally ruining my credit rating which is the effect of losing the current home that Im buying for my children. I already submitted all the necessary documents and disputes to the bureau but no action has been taken and they keep reporting this account which should be deleted in the first place. I demand the immediate deletion of this account.
Consumer complaint received 2019-06-17
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. (FL)

today i saw on my credit report inquiries that i did not make. This was done due to identity theft. XXXX, XXXX XXXX, 2 XXXX Inquieries.
Consumer complaint received 2019-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC (CA)

A company called Bay Area Credit service has called me on 2 occasions. First from ( XXXX ) XXXX on XX/XX/XXXX XXXX. The second from ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX. Then today, XX/XX/XXXX i received a letter listing XXXX XXXX XXXX XXXX as a creditor in the amount of {$1500.00}. 
The day i received the first call i contacted XXXX XXXX XXXX XXXX and verified i hadnt defaulted on any bills. Additionally i have a credit card receipt in the amount of {$1500.00} on XX/XX/XXXX. 
After the second call i explained i had no debts and if they contacted me again i would file a complaint.
Consumer complaint received 2022-02-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AL)

XXXX XXXX, a corporate rep for LoanCare lied about the website not malfunctioning in XXXX of 2021 to justify keeping my {$30.00} ( regarding complaint ID # XXXX ). When I paid the {$1.00}, XXXX, the LoanCare rep who took the payment explained to me that he started working about the time when a lot of customers were calling because they were charged a {$30.00} NSF because the website clipped their checking account information and LoanCare waived their charges. He said that because they took the money from the excess in our principal, they would not return my money. The company paid many {$30.00} fees to their bank for the checks that didn't have sufficient information to process. 

I believe that so many customers were using the website at the same time and it was not designed for the overload. Anyone who uses online access for bill pay knows that a website will not allow anyone to submit a payment with missing numbers. I retyped everything about 8 times or more because the site kept freezing or providing error messages for no reason and freezing again during the correction. 

I told many representatives about the issue, asked for a supervisor, but no one cared in 2021, except one person who did let me know that 2 numbers were missing at the end of the account number. I asked if that sounded right to him because the site should not have submitted my information incorrectly, I would have seen and error message. The website literally submitted my information so quickly after I typed in the account number until it seemed as if something was wrong. 

If LoanCare is covering up the fact that many customers experienced my issue at that time to justify taking my money for their malfunctioning website, they are dishonest, ethical, and untrustworthy. Two employees told me the truth about what happened and the corporate head, XXXX XXXX wrote a flat lie in her letter. 

I am attaching a copy of XXXX 's letter, my credit report from about one week ago, and redacted copies of bank statements for XXXX and XXXX, 2021 balances, revealing the mortgage payments for those two months. The checking account, attached, is the account number that I typed into the LoanCare website. 

We are not hurting financially, at all. We are just discussed with corporations run by people who have no credibility. We decided, after this incident, to refinance with a highly reputable company. We are refinancing with XXXX XXXX XXXX XXXX for a breath of fresh air.
Consumer complaint received 2022-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I involved with fraudulent company XXXX XXXX XXXX, located in XXXX, VA and transferred money from my account in Bank Of America. I had been filed the claim and it didnt resolved for about a month. Please help me to protect and receive my money Sincerely,
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XX/XX/2021 I purchased a new phone from XXXX using my Bank of America credit card and sent in my old phone for credit {$40.00} to be applied to my BOA card. At that time fraud charges were put on my credit card and I was notified by BOA. That was resolved. As a result, my credit card number was changed. When XXXX tried to appy the {$40.00} credit it could not because the number was changed. After contacting XXXX they re-applied the {$40.00} credit to my card. I then received a letter from BOA saying that the {$40.00} credit from XXXX applied to my card on XXXX XXXX was for a Fraud dispute and they were charging me {$40.00} because XXXX had already credited me. This is my complaint. I never claimed the {$40.00} credit was a fraud and BOA incorrectly recorded it as such. I have spent three days and over two hours on hold with BOA trying to get this fixed. Today was my third try and after being put on hold AGAIN to be connected to the " Existing Fraud Claim '' department was disconnected. I understand this is not a large amount, however, BOA customer service department is terrible and if this has happened to me, other consumres may have had similar experiences.
Consumer complaint received 2022-02-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc. (NC)

This is an alleged debt that is not mine. This company has been repeatedly calling me and sending me letters in the mail without my written consent. They do not have permission to communicate with me under federal law. They have been harassing me and is causing emotional turmoil. This company is in violation of federal law by harassing me and using abusive language pursuant to 15 usc 1692d ( XXXX ) and 15 usc 1692d ( XXXX  ). This company is communicating that I owe a debt. This is in violation pursuant to 15 usc 1692b ( XXXX ). This is a violation of my consumer rights under the FDCPA. This company has called me 99 times from XXXX, left voicemails ( I have the proof with transcripts ) and has sent numerous letters. This coming any has contacted me more than once which is in violation of federal law pursuant to 15 usc 1692b ( XXXX ). Also pursuant to 15 usc 1692d ( 5 ), this company is causing the telephone to ring repeatedly with the intent to harass and annoy me. The amount of federal laws this company has violated is over 100. Pursuant to 15 usc 1692k ( XXXX ) ( a ), I am owed {$1000.00} per violation.
Consumer complaint received 2022-02-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2019, I, the consumer 12 CFR 1026.2 ( 11 ) XXXX, XXXX, XXXX fill out a credit application 12 CFR 1026.2 ( 3 ) ( i ) for Capital One bank. I extended my consumer credit 12 CFR 1026.2 ( 12 ) to Capital One. In the credit application, I provided my credit card 12 CFR 1026.2 ( 15 ) ( i ) and was approved for the extension of credit. Capital one then submitted to the consumer a credit sale 12 CFR 1026.2 ( 16 ) which the consumer fill out to complete the process. Since the date of opening the account, the consumer receives billing cycle 12 CFR 1026.2 ( 4 ) every month with the amount due for what the consumer spends on the credit card. Capital One gives the consumer a minimum payment due and the account balance to make a payment to, either suggestion on the consumer 's behalf. The balance increase until the consumer pays the whole balance in full to zero out the balance. I, the consumer have been paying the full balance for XXXX years now which would be false and misleading on the behalf of Capital One. According to 12 CFR 1026.4 finance charge is the cost of credit as the dollar amount. Capital One has been fraudulently misleading the consumer for years making the consumer pay the full amount of balances on his credit card. The consumer has caused a trauma amount of XXXX, XXXX, and money for the false and misleading information. The consumer demands a full refund from all payments made after the finance charge paid over the XXXX years of the opening account.
Consumer complaint received 2022-02-12
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. (KY)

I have sent several disputes in the past to have the two accounts reported under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX but XXXX and Equifax have not. The latest letter I sent to XXXX and Equifax to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX nor Equifax, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Consumer complaint received 2022-02-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

entered as co signer on loan XXXX filed XXXX XXXX XX/XX/XXXX credit acceptance collected thru bankruptcy completed discharged XX/XX/XXXX company continuing to display and change info knowingly puting false information in my report
Consumer complaint received 2022-02-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Viking Client Services (ID)

XXXX XXXX has been repeatedly calling my spouse, even though the spouses name and information isnt attached to the account in question. I dont know how they got it and why they would be contacting someone thats not the account holder. They do not leave a message and have called him during work hours more than once. This is inappropriate and needs to stop. I have already been in contact with the company Viking is calling on behalf of for months now, with an arrangement to have money deducted from my account every month. The company did not inform me that they were calling a collection agency.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX I noticed XXXX and XXXX XXXX XXXX were showing incorrect accounts that were my ex-husband 's. I contacted them over and over and over again. Writing down names and times. Each time, they said that they were taking care of the issue. I even sent a notarized report they asked me to fill out. That was on XX/XX/XXXX. I received a letter reading that the matter was settled on XX/XX/XXXX. I still called because I could see that it was still on my report. I needed to go to XXXX XXXX  to get a job, but couldn't do that without financial aid, which I could not get because of this. Thus, I would call again and again, the last time being told that on XX/XX/XXXX they had told the three credit reporting agencies to remove the account. But each time, they also put a caveat that I must fax in the credit report ( current - not past 60 days ) and then they would remove the problem again by contacting all the agencies. Or I could have the agencies contact them. I did both. And the credit agencies, when I followed up, all stated that they had called that company, but had not received the information requested. I finally gave up at the end of XXXX for school. I figured that the 7 year law would kick in and they would HAVE to follow the law. Still I called and went through all the loops all the way until today. Today I received a denial for my student loan because of this. Thus, I contacted all of the above again. Again I was given the same information, " Oh! It should have been removed. You can fax or mail your most current credit report, not past 60 days ), then we will make sure it's removed. Or you can have the credit agencies call us. '' When I asked them how long this would take, I was told 30-60 days on their end and probably the same for the credit reporting agencies. I stated that was too late. So I called the XXXX financial aid office to explain, but they said they don't have anything to do with it as these are federal loans. I will re-fax and send certified mail as I have in the past and then call. But now, it's past the 7 years, how can they still hold me hostage on the three credit reporting agencies. Now I know why I couldn't receive credit to purchase a car I desperately needed for my job. This is messing up my life for something that I did not do and is now against the law as it should have fallen off XXXX, XXXX for the FCRA and I feel now, that it's hopeless.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX