davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (PA)

Hunter Warfield has been attempting to collect on an alleged debt that was sold to them by my old Apartment complex in XXXX. During the move out process and apartment review, my roommates and I were offered by the apartment complex and chose to pay for an " express move out service '' which included a " professional carpet cleaning '' which would take place after moving out. 
After moving out, the apartment complex replaced the carpet without realizing the carpet had not yet been cleaned. They then charged us for the carpet replacement. We reminded them we paid for the carpet cleaning, but they said they had forgotten and opted to replace the carpet as they carpet " looked too worn ''. We said it was not our fault they had replaced the carpet without cleaning it first and per North Carolina regulation that we were not responsible for a replacement as the carpet did not exhibit anything beyond normal wear and tear. 
In XXXX of XXXX this debt was sold to Hunter Warfield. In XX/XX/XXXX we received our first collection attempt from Hunter Warfield and requested that they verify that we were responsible for this debt, as we knew they could not given that the apartment complex had broken their agreement, and that per North Carolina regulation we were not responsible for replacing a carpet that exceeded normal wear and tear. 
They did not verify the debt and in XX/XX/XXXX reported it to XXXX. At that time, we reported this violation and XXXX  removed the collection account from our credit reports. In XXXX, Hunter Warfield sent incomplete verification information. We contacted them again through our attorney to let them know that this did not verify the debt and they should cease all collection activities until first verifying the debt. 
We did not hear anything past that point in time until XX/XX/XXXX when they reported the debt to a different credit agency, XXXX  this time. We have initiated the dispute and contacted them to let them know they would once again be violating FDCPA if they did not withdraw the account. They sent back the same incomplete verification information.
Consumer complaint received 2023-03-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Applied Business Services, Inc. (NC)

In XX/XX/2023, a collection agency reported XXXX different accounts with XXXX different amounts on my credit as collection accounts. The amounts are : {$1300.00} ; {$1300.00} and {$1500.00}. However, I only have XXXX account with the collection agency. Because of there only being XXXX account, there should only be XXXX collection accountnot XXXX. I believe this is an attempt to negatively impact my credit as XXXX collection accounts will significantly decrease a credit score more than XXXX would. 

Why were XXXX different accounts reported for XXXX collection account?
Consumer complaint received 2019-03-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I dont know why XXXX is on my report as a negative item. I have XXXX  service now. Its stating that i open this account back in XX/XX/XXXX. That the account went into collections for {$570.00} in XX/XX/XXXX. This is false i've tried fixing this and they say the have no record of it and they only see my account that is active now which is current.
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX ( XXXX XXXXXXXX XXXX ), account XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency absolutely can not furnish an account without my written instructions.
Consumer complaint received 2022-02-18
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: BARCLAYS BANK DELAWARE (OK)

I disputed a transaction for {$99.00} in or around XX/XX/2021. The amount was credited per the normal dispute process. While on the phone with Barclay 's support, the representative credited a late fee, we determined the total balance due, and I then made a final payment to bring my account balance to zero. Subsequently, I received notice via post, that the XXXX dispute was found to be in my favor and the matter was considered closed. However, the credit that was returned to my account was only approximately {$94.00}, not the full {$99.00}. A balance for approximately {$6.00} was carried over and I was charged late fees and interest. I contacted Barclay 's multiple times each with promises that the issue would be resolved. It has yet to be resolved. 

Finally, I became aware the issue was still not resolved, and I had been reported to the credit reporting agencies. I contacted Barclay 's again. This time they agreed there was still an outstanding issue, but there was a new charge of {$29.00} that had contributed to the late fee, so there was nothing they could do except send in a ticket about the dispute. They did, and I subsequently received another letter stating I would not be liable for fraud on my account after their investigation, and the credit report could take 30 days to update. A few days later, I received the latest invoice with additional late fees and interest. 

These are clearly billing errors, and nobody at the organization is taking ownership to resolve the issue. Due to Barclay 's poor business practices, they are " passing the buck '' from department to department to my detriment. They have violated multiple federal laws in the dispute and credit reporting processes, and I am beginning to accrue significant damages as I am currently in the process of purchasing a home.
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

On or aboutXX/XX/XXXX I contacted Portfolio Recovery Associates to settle a debt that has been in dispute due to damaged goods received and not replaced, by XXXX. ( Which will be another complaint that violated my Fair Billing rights ). During the validation of who I am with the PRA associate, she asked if I was also going to settle or pay my XXXX debt they have from XXXX XXXX  stemming fromXX/XX/XXXX. I explained to her that the debt she is referring to was discharged in XX/XX/XXXX by Chapter XXXX Bankruptcy. She insisted that I still needed to pay PRA. I once again explained to her that PRA can not collect on a debt, or should it be on their books, after a Bankruptcy Court discharged my debt. At this point I ceased this part of the conversation and asked her to address the matter in which I called, the debt from XXXX  
Towards the end of the conversation, I requested that she have someone from PRA, in Authority, to call me and address the attempted collection. I have not received any sort of communication.

Name of company : Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Thank you and I look forward to our correspondence.
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (FL)

In XX/XX/2020 I refinanced my home and XXXX   XXXX/CrossCountry mortgage became the servicer of my home loan. 
In XX/XX/2020, I called customer service to ask about enrolling in biweekly payments. They told me I had to wait until I had made the first mortgage payment and made NO mention of any fees associated with me simply splitting my monthly mortgage payment into biweekly payments. 
Today, XX/XX/XXXX, I called customer service again. They said I would have to fill out a form [ which they emailed to me ] and said I could NOT simply submit biweekly payments without filling this form. They said those payments would NOT be applied as intended and would be considered " short payments '' and held until final monthly payment was received. They made NO mention of a fee associated. 
Once I received the email with said form, it stated clearly and multiple times that I was required to pay a {$150.00} FEE. 
I called customer service back and asked to speak with a supervisor. She repeated the above information and said that it was " non-negotiable '' to dispute this fee. 
I told her this is a SCAM and they should be reported for such price gouging! I have paid home mortgage payments for most of my adult life! I have never encountered a bank that charges any fees, much less a fee of {$150.00} to simply " allow '' me to make my payments in a biweekly fashion. This fee should be illegal and this bank should be held accountable for scamming it's customers. This would always be an egregious charge -- but now during this economic turmoil and the largest unemployment rate, it is even more CRIMINAL that this bank is trying to scam {$150.00} out of it's customers. 
It is my hope that the Consumer Financial Protection Bureau can help me exercise my right to simply make biweekly payments for my mortgage payment and NOT allow this bank to charge this fee. Thank you.
Consumer complaint received 2018-05-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Weinberg Mediation Group LLC (IL)

Wont stop calling my family or my employer harassing them. They have been calling for over a week now. They call from all different numbers but want you to call this number back XXXX. I've spoken to an attorney and he said this is the first step to stop this. If this doesn't work he will take legal action
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: First Advantage LNS Inc. (AL)

I have recently reviewed my credit report and identified an account that erroneously claims I owe a debt It has come to my attention that this account is inaccurately reported on my credit profile. I kindly request you to verify the reporting method and either provide validation for this account or promptly remove it from my credit report. Under the provisions of the Federal Fair Debt Collection Practices Act ( FDCPA ), I am entitled to have the alleged debt validated by your agency. To date, I have not received any substantiating evidence demonstrating my indebtedness to your company. I hereby request that you furnish me with comprehensive documentation supporting the existence of this alleged debt.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION (FL)

I requested a copy of the certified letter and my signature to see if Lobel Corp to see if they even allowed me the opportunity to dispute this debt instead they responded by asking me for a police report or FTC REPORT?? I also noticed that Lobel Corp does not have licensing in the State of Florida to collect debt!! I need this fraudlent account removed from my credit report ASAP License/Registration # : XXXX Original Issue Date : XX/XX/2024 Regulator : California - XXXX License/Registration Name : Debt Collection License Resident/Registered Agent Company : Lobel Financial Name : XXXX XXXX Title : XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX
Consumer complaint received 2020-07-28
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 writing to inform you that you are in violation of XXXX XXXX and I am considering litigation. I have retained legal counsel. In an effort to resolve this matter amicably, I will make one written request. 

I am formally requesting that you validate all trade line notations you have submitted to the three major credit reporting agencies by XXXX, for account number XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FACTA, FCRA, and other federal and state laws. 

I look forward to a timely and amicable resolution to this matter.
Consumer complaint received 2024-03-31
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CITIBANK, N.A. (NY)

Citibank can give me my money in a full amount in my account and not be around me for a payment, if this is the case, I think that this is because they need an opportunity not that I do. If it is not a full payment in my account, then it is not a payment.Citibank is trying to pay me off claiming my own things. Sexual Harassment is also a case with Citibank. Can somebody let them know that I am not their lover nor do I wish to be. Citibank is looking for coins because they are doing bad is why they are messing with my credit. This creates an opportunity for them. A full amount in my account and not a job using my own things that they wish to claim.
Consumer complaint received 2020-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

My Name XXXX XXXX. My Credit Card Wayfaire Store Changed Bank For Comenity Without My knowledge. Payment Auto From My Bank usually on Due date come no problem. But recevied Statments from New Comenity Credit Card XXXX $ Late Fee, and i think any Froud account and call Service Representative for Explanations XX/XX/2020. 
She Not explain about Name Card Change and of course im close card like not Recognized. 
Im Calling 2 Days Later and gentlemen Nicely explain about Card Name Changes, And about My 6 hour late payment. and promised to reverse XXXX $ fee, but unfortanatly account closed with Dont Care Previosly Service Representative. Of course after 1 Month XXXX $ Become to XXXX . And menager from Card, Not agree with my 3 reasons to waived Fee. 1/ Card Change name and Confuse Client 2/ One Representative # 1 Not Work Friendly and Professional ( Mention about 1 time waived late fee alredy 13 month Ago with Old Name Card ) But # 2 Another One Try to Help, but Credit Card Closed Already with Bed Represantative # 1 3/Menager XX/XX/2020 also my aprouch with this situation no accept and compromise to reopen card and keep relationship Ignore
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX ; Experian and XXXX are falsely reporting that I am ( XXXX ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-05-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Direct Recovery Services, LLC (SC)

A XXXX XXXX left voice mail threating collection action for non-exsistent debt. A call back indicated debt was of a XXXX XXXX ( Sp unknown ) Call back indicated company was Direct Recovery Services.  Note we do not have any idea who this XXXX is.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX ; XXXX and Transunion are falsely reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On or about XX/XX/XXXX, My concern is card issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts. 
Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis in XX/XX/XXXX, whereas my credit score to plummeted from XXXX ( GOOD ) to XXXX, ( POOR ) condition, as if overnight. Failure for Consideration for credit line increase to provide for balance transfers to slow down the rate of pay-down. This would be achieved by reducing the minimum payment ratio from 10 % of the balance outstanding to 5 % for example or by offering payment holidays. 
The rate increase and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply. 
Card issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so. 
This behavior deprived me of ability to meet Hardships & Emergency financial needs during Family crisis at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek & qualify for Credit card Debt relief and/or Chapter XXXX Bankruptcy methods. Have been a long time customer in good standing since approximately year XX/XX/XXXX.
Consumer complaint received 2019-03-22
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (IL)

Bill amount XXXX. XXXX XXXX On XX/XX/XXXX I paid Harris & Harris XXXX leaving a balance due of XXXX I entered into a agreement to pay the balance due each month on the XXXX. This company has my bank account information and a recurring charge appears each month XX/XX/XXXX is the final payment. On XX/XX/XXXX company received XXXX. XXXX will be taken from my bank XX/XX/XXXX, XX/XX/XXXX, with final payment on XX/XX/XXXX. 

In looking at my bank statement Harris and Harris notes balance due and different amounts are shown thus far. 
Company called XX/XX/XXXX to remind me of payment due for XXXX even after company has recurring debits which are taken from my bank account. 

Today, XX/XX/2019, at XXXX XXXX company call my cell. When I answered rep said is this XXXX XXXX, when I answered yes they hung up the home. XXXX  the same time I receive this company call my home which I did not answer.
Consumer complaint received 2020-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

Beginning XX/XX/XXXX as I began apartment hunting, I ordered my credit report and noticed a charge from " Hunter-Warfield, inc. '' a debt collector, that was placed on XX/XX/XXXX, on all XXXX of my credit reports. I was not aware of this debt and knew I did not owe it. I disputed this charge with Equifax and Transunion. The debt was declared valid since I did not include any supporting documents. I contacted " Hunter Warfield '' via the number on file. The representative stated the charges came from " XXXX XXXX '' aka " XXXX XXXX. '' The rep stated that the company only had to show a lease to prove this was a legitimate debt and have it placed on my credit reports. ( After learning who had placed this charge, I was able to determine what documents I needed to show ) I explained to the rep. that I have court documents to prove that I owed a XXXX balance, and that this charge was not a legitimate debt, and that it was " falsely '' placed on my credit report. I sent the court documents via email on XXXX, XXXX, XXXX to " Hunter Warfield , inc . The rep. verified that she received the documents, but stated that she had to wait on the company 's response to their inquiry before proceeding to remove the charges. I disagreed due to their falsifying of information initially, but I was left no choice but to allow them to follow the steps they state they are required to follow. However, I feel that no actions may be  taken to remove this false debt from my credit.
Consumer complaint received 2021-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I have made several attempts to protect my identity but there is someone using my information to open lines of credit and loans. There is a new account in my name called XXXX XXXX XXXX which states i owe {$600.00}, their contact information is XXXX address XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. I never opened this account, i do not have in my possession this credit card, i did not authorize for it to be opened at all.