davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company (VA)

Disputes have been filed with the credit bureaus and recorded phonecalls have been made. Additionally there was a conflicting statement sent. 

I called to ask for an itemized statement to explain the {$390.00} collection sent to Merchant Credit Guide by getting the bill from the source of the debt, XXXX XXXX. XXXX  was bought out by XXXX XXXX and here is where things get complicated. 

Instead of getting the itemized bill for the {$390.00} in collections I was sent a completely different bill totalling {$930.00}. When I asked which department could explain the line-items, why my bill was suddenly almost 3 times higher, and who had responsibility for disputing incorrect or fraudulently added line items I was transferred between departments on a near endless loop. 

When someone finally took the time to explain the new items the explanations didn't make any sense. {$630.00} for XXXX XXXX Type A Level 3 was explained as " to cover costs for nurses because the ER is expensive. '' That's not a proper explanation for an itemized bill. They never explained the exact service ( s ) or item ( s ) I would have recieved. 

They later tried back tracking and explained the new charges as " because your insurance was denied, '' which might have made sense if the bill sent to collections was for the newer, higher amount. The part they failed to explain to me was how and why the charges increased *after* I filed disputes and asked for a correct, itemized statement to explain the {$390.00} owed. 

When a form of resolution was proposed, it was that they would remove the old account in collections so they could validate the newer bill instead of resolving the disputed {$390.00} properly. Again, making it seem as though the new amount was a retaliation for trying to exercise my rights to know why and how I am being billed the way that I am. 

My issues arent with Merchant 's Credit Guide, but with XXXX XXXX for trying to alter a bill well after it was sent to collections. 

I have went ahead to call my insurance and try to reach a resolution on that end as a courtesy, however the dates in question are too far back for them to have any ability to extend coverage.
Consumer complaint received 2022-03-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC (VA)

This company is called Contract Caller INC, ( XXXX XXXX XXXX XXXX ) open XXXX, placed in collection on all credit reports. I have know knowledge of this company, never had an account with them. The balance they are trying to collect is from XXXX XXXX XXXX XXXX which that account has been paid in full directly to the original company. which is XXXX. The is paid in full. I have know knowledge of this company have never had no dealing with this company.
Consumer complaint received 2022-03-06
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: LEXISNEXIS (OH)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Lexis Nexis, XXXX, XXXX, and XXXX, have violated my rights. I have also been told previously that it has been verified through the courts which are not true and I have verified with the courts that they do not verify this information with the credit bureaus or any other entities. My rights have been violated under the FCRA laws below and I have the right to privacy. I have asked that this be removed from my credit report multiple times due to the FCRA violations and the inaccuracies that are included. 

15 U.S.C 1681 section 602 A. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions There are also multiple errors on my credit report in regards to this listing such as the reference #, court name, and filing date which violates my rights.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (ME)

As of XX/XX/2022 - I noticed and reached out to JP Chase Morgan as there is a credit card listed on my credit report totaling {$5300.00}. I never opened this account, nor do I have access to it. This account was opened by way of fraudulence.
Consumer complaint received 2018-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (FL)

I have a number of store cards ( i.e. Lowes, XXXX ) which are issued by XXXX XXXX. XXXX XXXX keeps decreasing my credit limits each month on these cards and each time they do this lowers my credit score. 

In Synchrony 's letter it states card balance too high as one of the reasons for lowing the limit in essence they are creating this situation to happen. 

In addition, Synchrony also reports the lowing to the credit bureaus 30 days before I receive a letter from them. 

Their business practices are disgusting.
Consumer complaint received 2022-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

Citibank made a serious mistake on my 1099-INT tax form this year. This issue was escalated to Citibank Executive Response Unit over a month ago and it was assigned to their representative XXXX. 

Although I received the corrected 1099 tax form from Citibank by mail now, the electronic tax form in my Citibank online account is still the wrong one. I communicated this issue with XXXX many times so far, but it still has not been resolved yet. 

I request Citibank to correct the wrong 1099 tax form in my Citibank online account immediately without any further delay, because I need to file my tax return to IRS now. 

Also I request CFPB to penalize Citibank for such serious banking errors per federal regulations!
Consumer complaint received 2018-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

HUNTER WARFIELD XXXX XXXX XXXX XXXX, FL XXXX XX/XX/18 Re : Account # XXXX I have received your attempt of validation of the above mentioned account and have several issues to address with your claim that I owe this ALLEGED debt to your organization. 
First, you have not, by any means, managed to prove to me that I owe this alleged to YOUR organization. You have not provided me with a signature that undoubtedly proves that I have some sort of contractual obligation to pay YOU ( OR provided me with a complete statement of accounting as required by law to be considered full and complete validation ). 
Second, you have also not sufficiently proven to me that I owe this alleged debt to ( Creditor Name Here ) by providing me with a copy of a signature on a contract that I supposedly signed ( OR provided me with a complete statement of accounting as required by law to be considered full and complete validation ). You have merely supplied me with copies of alleged bills on the account in question ( OR contract ). This does not sufficiently prove that there is any legal, contractual obligation between myself, your agency or the creditor. 
If you can not provide me with a copy of MY signature on a contract with ( Creditor Name Here ), I submit to you that this debt is unverified and reporting it to ANY Credit Reporting Repository is a direct violation of theFDCPA. Continuing collection attempts on this account can and WILL be considered harassment under theFDCPA. 
( Optional ) Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to your organization AND to the original creditor. Your answers were rude and insulting and I WILL be sure to report this negative response to theFTCand theXXXX. This was completely uncalled for as I am acting within MY rights under theFDCPAandFCRA. 
I DO NOT have any contractual obligation to pay YOU at this point as you have failed to provide ANY proof of that. A copy of an alleged bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. 
I, again, request that your company PROVE to me, beyond a shadow of a doubt, that I incurred this alleged debt by providing to me a copy of my signature on some type of contract. I also request that your company IMMEDIATELY abide by the rules and regulations of theFDCPAand CEASE all collection attempts on this account, including, but not limited to, removing ANY listing on my credit file that may be damaging to my credit status and verifying this information with the credit bureaus. 
I have enclosed another copy of my validation request, as amended and set forth that you now have 15 days to respond before further action is taken on my part. Please note the changes made within the validation request itself and answer ALL questions accordingly, along with providing the information that I have requested. 
Sincerely XXXX XXXX
Consumer complaint received 2022-03-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

When Nationstar took over the servicing of the loan from XXXX XXXXXXXX XXXX they started refusing to accept my payments and started send them back to me putting the loan in default. I did everything I could to stop them from doing this, continued making the payments that were stated on the XXXX loan modification from XXXX XXXX XXXX but they still refused to accept the checks that I sent in. They denied that I had made every payment since the beginning of the recorded loan mod even though I sent them all of the checks that XXXX XXXXXXXX XXXX had cashed. 
I had several people try to talk to them including attorneys, fraud investigators, and loan mod companies but they were unwilling to look into their errors and kept denying that there were errors. 
I finally was told by attorneys that the only choice I had was to sue them. I have been in a lawsuit with them for years and the court is now awaiting the results of the case called XXXX XXXX XXXX XXXX and said that they would decide on my case after that case was decided. Nevertheless, Nationstar is trying to sell my house in a trustee sale. It is causing the reduction in value of my house and many uninvited people are coming to my house and calling nonstop trying to buy it for way less than the actual value of the house. Having strange people show up at my house unexpectedly is causing stress to my pets and to me. 
I do not want to sell my house and I plan to stay here as I have put a lot of money into this property and I have lived here for 27 years. I know all of my neighbors and I feel safe here except for the people that Nationstar is causing to come to my house uninvited as they are advertising it for sale on their XXXX   web site. I tried to have them do another loan modification but they will not talk to me or to the loan modification companies who tried to help me put the documents together and submit them to Nationstar. I have tried several companies and they all said that Nationstar will not communicate with them even though my attorney has given them the authorization to talk to these companies. 
They are making it impossible to do anything but sue them. 
Apparently the CFPB and AGs have already sued them for the exact same things in my lawsuit and they settled with them which seems to just give them license to continue with their unlawful ways. This needs to be corrected. 
Nationstar just thinks that they are above the law and if someone does not stop them they will continue to hurt many people.
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

I am a licensed general XXXX in NC. ( no XXXX and currently XXXX ). I was a self ( with family ) financed developer building houses without banking involvement. XXXX Bank, now Suntrust Bank allowed XXXX XXXX to open a business account when in XXXX when she was no a member of the corporation. In doing so, XXXX XXXX XXXX was able to embezzle about {>= $1,000,000} from about XXXX until XXXX. She worked from my companies. About XXXX, I did established XXXX XXXX with the NC Secretary of State and list her as a member. I had no ideal that she had previously opened those accounts. After she was listed as a member, she closed out my accounts and went on to embezzle millions more threatened to injury our children, That Fact is, she is from XXXX, migrating to the United States in XX/XX/XXXX. I have included several attachments with exhibits to help you understand what they did. The they will be XXXX XXXX, Suntrust Bank and a bunch of lawyers violating federal laws. 

Please review the exhibits and attachments.
Consumer complaint received 2018-08-06
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. (TX)

Contacted Transunion on different occasions in regards to credit inquires that I did not authorize. I have tried to not only correct this with Transunion, but also with the initial creditor that request the unauthorized inquiry and was referred back to credit bureau stated the information was obtained from TransUnion. I have no Knowledge of this and when contacted spoke with a representative that was rude and could plainly tell didn't want to assist. Kept reciting the same script over and over and refused to transfer me to a supervisor. This has been very inconvenient and has been a huge unexpected impact on my livelihood and has impacted my credit and credit history. This has also been inconvenient since to prevent situation in these matters I had a initial fraud alert that obviously was in place to prevent matters like this from occurring. 

The Following are Inquiries were unauthorized : XXXX XXXX XX/XX/17 XXXX XXXX XXXX XX/XX/17 XXXX  XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 XXXX XXXX  XX/XX/2017 XX/XX/17 XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 XXXX XX/XX/17 XXXX XXXX XX/XX/17 XXXX XXXX XX/XX/17 XXXX XXXX XX/XX/17
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I am victim of Identity THeft and I can not login into Equifax system to check my credit report because it keeps blocking me from the site. When I enter in my personal information, I get a message stating that records do not match information entered which is a lie. My address as well as my personal information have not changed.
Consumer complaint received 2022-03-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (FL)

**THIS IS A FOLLOW-UP TO COMPLAINT # XXXX, WHICH WAS ALREADY FILED** On XX/XX/2022, I contacted Sallie Mae in hopes that I could negotiate some sort of financial arrangement to avoid my cosigner and I being reported to the credit bureaus. The customer service representative ( CSR ) that I communicated with, after being placed on hold numerous times, was finally able to to present the following offer to me in order to avoid being placed in negative/adverse status with the credit bureaus : a back payment, in the amount of {$270.00}, and a promise to pay the delinquent amount of {$970.00} upon next payday ( XX/XX/2022 ). 

I agreed to the terms as they were presented, and a payment, in the amount of {$270.00}, was processed/drafted from my checking account on file. I requested numerous times to the CSR to reiterate that the offer/terms that were presented would result in my student loan accounts not being reported as negative/adverse to the credit bureaus, and I was assured each time that those accounts would not be reported as such. 

On XX/XX/2022, I was alerted by XXXX that Sallie Mae did indeed report my student loan accounts as delinquent, which resulted in a decrease of my credit score by XXXX points ( I assume the same result occurred to my cosigner as well ). As a result, a dispute has been filed with the agency to investigate the situation. Also, my father ( the cosigner ) was just contacted by Sallie Mae via telephone as a reoccurrence of the constant barrage of harassing/annoying communication tactics utilized by the organization that were previously reported.
Consumer complaint received 2022-03-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I worked at length in effort to save my XXXX  mortgage was sold at least 3 times amidst my attempts to obtain modifications and once close to approval the sale reset my process. My understanding is loans cant be sold like this and still collect from me. Please assist. I lost my home and was made to move amidst the pandemic with a XXXX  child. Im still having difficulty as consequence of this. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-03-06
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: AES/PHEAA (NC)

Fed loan Servicing is selling my information to another service provider and furnishing information to the Credit Reporting Agencies without my written consent which is in violation of the LAW. I have contacted them about this matter in 2021 but they failed to do anything.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2020-07-29
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX XXXX {$1300.00} XXXX XXXX {$2800.00} XXXX XXXX {$460.00} XXXX  XXXX
Consumer complaint received 2018-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX - XXXX - Threats to sue when the debts was an old debt XX/XX/XXXX - XXXX Threats to sue when the debts was an old debt XX/XX/XXXX - XXXX incorrect amount
Consumer complaint received 2017-12-27
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. (TX)

This letter is to inform you that TranUnion has failed to respond to my inquiry dispute letter that was sentg certified mail XX/XX/XXXX and the numerous phone calls I 've made to attempt to correct this error. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. I also have a fraud alert on my credit file and to say that the social security matches does not constitute valid reporting or inquires. I asked that the following inquires from my report as pursuant to 15 U.S.C 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires with a credit or insurance tranaction that is not initiated by a consumer, which I have spoken to several US agents and informed them that the following inquires was not initiated by myself and seek immediate deletion and correction to my credit report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MD)

XXXX XXXX is the company and they are a rip off they to high I was struggling with my bills I got behind the call and mail me constant I told them when I get money I will call them and I will they closed on Saturday and Sunday so monday the XXXX XXXX XXXX I'm set a arrangement up with them hopefully they leave me alone then. The call send mail to house like twice week it frustrating
Consumer complaint received 2022-03-06
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. (IN)

I contacted XXXX, XXXX and Transunion to dispute the validity of an account showing up on my credit reports. I sent multiple letter to all three agencies. I explained in the letter that I have never done no business or received any service from XXXX XXXX collections company. Any account with XXXX was merged with XXXX, I currently have my plan with XXXX XXXX
Consumer complaint received 2022-03-06
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. (IN)

I contacted Experian, XXXX and XXXX to dispute the validity of an account showing up on my credit reports. I sent multiple letter to all three agencies. I explained in the letter that I have never done no business or received any service from XXXX XXXX  collections company. Any account with XXXX was merged with XXXX, I currently have my plan with XXXX XXXX.