davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (CA)

The XXXX Lanes - known as XXXX have repeatedly attempted to call me, sent me threatening letters and forced me to pay a fee for the XXXX account which I no longer have. They confirmed by email, and I had copies of the statement, showing that the " collection closed '' and that I have made and deactivated the account since XX/XX/2019 ( see copies enclosed ). 

Yet, I just now got a letter from their collection agency, XXXX XXXX XXXX XXXX XXXX, XXXX, stating that I owed {$80.00} as of XX/XX/2019 and that I need to make a payment within 30 days. 

Where does all of this ends? How can we allow these crooks to operate such way. Who regulates company like XXXX XXXX XXXX? How could collection agencies collect a " non-existing '' debt and threatened consumers? Are they using my information to intimidate and bullied me for other purposes?
Consumer complaint received 2019-10-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I was injured in an accident. I am covered 100 % for accidents by my insurance company. Injuries required XXXX. I am covered 100 % for those provided the medical provider contacts the insurance company prior to treatment ( THIS IS IN MY FILE IN BIG LETTERS ... .I WROTE IT THERE MYSELF ). If they do this, I am covered 100 %. 

Bills came, and I was charged more than {$3000.00}. I explained and worked with the hospital repeatedly, for weeks, putting in more than 80 hours on the issue. The insurance provider allowed them to resubmit costs that THEY HAD NOT SUBMITTED PROPERLY BEFORE TREATMENTS. Despite this, they still did not do this right. 

I was told if I did not pay the $ 3K+ I would be turned into collections. I paid under total durress, and told them that. I contacted the ins. company, who hired a 3rd party mediator. Mediator found that they owed me that money back! I have an email for this. I forwarded the email onto the hospital, who became hostile. 

I was turned over to collections for what they now say is even more that I owe them, even tho I paid in full when I was never supposed to have to pay for anything. Now, suddenly, I owe them something even more?? 
The 3rd party mediator does not think so. Neither does my ins company. Both say the hospital did not submit bills right, did not correct them when given the chance, and is double dipping. 

I need help disputing this as now they have turned me over to collections and my score has dropped dramatically. I am a single mom of XXXX kids and now I can't even get a loan. 

When I " disputed '' this with TransUnion, and told them I have a letter of conclusion from the 3rd party saying I am owed a refund, they never even contacted me ... the just said at the end of 30 days that my " investigation into the disputed item was closed '' and I am found to owe the money ... No one on my side of the issue was ever contacted by Trans Union.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM AT A STANDSTILL AT THIS POINT OF MY LIFE AND THERE IS SO MUCH I WANT TO ACCOMPLISH. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-05-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

This complaint is in follow up to complaint XXXX which was closed by the CFPB onXX/XX/XXXX when Wells Fargo Bank gave instructions on how to have my bank, XXXX XXXX XXXX, reclaim the funds {$42.00} on check # XXXX that Wells Fargo Bank deposited into the wrong account back on XX/XX/18. On XX/XX/XXXX, my bank representative, XXXX XXXX, followed step 1 as noted in the attached letter. I was present when she made the phone call. She was informed Wells Fargo Bank would fax a form to reclaim the funds within 24-48 hours. The form was received on XX/XX/XXXX. On XX/XX/XXXX, Ms. XXXX faxed the completed form to Wells Fargo Bank. I just spoke with Ms. XXXX by phone and to date, XX/XX/XXXX, the funds have not been reclaimed by XXXX XXXX XXXX to be returned to my account. This is not satisfactory. I have emailed XXXX XXXX, the Wells Fargo representative who was handling my complaint about this delayed return of funds, but have opted to file a new complaint with the CFPB.
Consumer complaint received 2019-10-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MD)

The 3 major credit bureaus ignored my request to provide me with the documents to verify the disputed accounts. As a result, this means that the items have NOT been verified or you can not verify any of these accounts under Section 611 ( 5 ) ( A ) of the FCRA. The unverified items still remain on my credit report in violation of Federal Law. The credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified these items as being reported correctly, yet no information has been provided to me. I have asked to be provided with the name of the individual, their business address, and telephone number of the individuals that were contacted to verify my accounts. The original letters were mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The credit bureaus had 15 days to get me the information I requested so the information MUST promptly DELETED since it was not verified.
Consumer complaint received 2019-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Ocwen Loan Services, was my original mortgage company until they transferred me to PHH, XXXX c/o PHH Mortgage Services, XXXX XXXX XXXX, XXXX. XXXX, NJ XXXX. 
When Ocwen transferred my account to PHH Mortgage, they added an additional {$120.00} dollars to my mortgage payment without notifying me of the additional money. I called PHH and ask why my mortgage increased. They sent a letter stating that Ocwen added that amount because of property insurance. 
I told them that I have property insurance and flood on my house already. I had insurance last year and for some reason the company dropped my policy and did not notify me. Ocwen sent my an agreement that I could pay for the last five month on installments {$26.00} of the approximate {$370.00}. I agree and began adding {$26.00} every month in addition to my regular mortgage payments. But when they transferred me to the new company ( PHH ) they told me, Ocwen said, the extra {$120.00} would for my escrow account. I told Owen I never had an escrow account because I pay my own taxes and property insurance for the 21 years I live in my house because I could manage my fixed income ( VA XXXX and Social Security when paying my bills. I continued to send the mortgage payments to PHH the amount I usually would send {$500.00} minus the {$120.00}. 
I asked Ocwen to send me a statement of how much I owed the from last year when the property insurance was dropped, they sent me a bill for {$1400.00} for five months. 
The last property insurance company dropped my account onXX/XX/XXXX and I was transferred to PHH XX/XX/29, I sent my mortgage in every month by money order and to PHH that I have not received any statement from Ocwen on what money was due for the last five months. Now Ocwen is documenting on my credit report that I have not paid my mortgage any of it, so I couldn't refinance or modify my mortgage with anyone else because of my low credit rating. This kind of harassment has to stop Ocwen is over charging me for the property insurance agreement that we had They are placing false information on my credit report, and trying to force me into an escrow account that I don't need or want. Please look into this situation to clear up this matter amenably Thank you for your assistance Reply, Reply All or  Forward Send
Consumer complaint received 2023-04-09
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. (TX)

In Accordance with the fair credit reporting act these accounts below have violated my Rights XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 15 U.S.C 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 can not furnish a account without my written instructions
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (TX)

After reviewing my credit file Credence is appearing on my credit file. A company that I have never heard of or dealt with. This company has never reached out ton me regarding any alleged debt that they have under my name. They have not given me the chance to dispute the validity of this alleged account. Not only that I am a victim of identity theft and I believe this account is a result of identity theft. I request that this account be block immediately. I have never signed a contract with this company nor any company that Credence represent.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One has a credit on there from over 10 years ago. Each year they change the date to a current year, and its inaccurate, this charge is from 2007
Consumer complaint received 2019-10-07
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. (NY)

I have a Chapter XXXX Bankruptcy docket # XXXX / XXXX that is 9 years old but is still reporting on my credit. It is discharged and has been on my credit for a very long time and needs to be removed.
Consumer complaint received 2022-10-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Kubota North America Corporation (TX)

I purchased a Kubota XXXX skid steer around XX/XX/XXXX. I set it up for the payment to automatically come out of my bank account every month. A payment was never missed. I believe I owned the unit for just under a year. I took it to XXXX XXXX XXXX dealer for warranty service work. The XXXX XXXX was stollen off of their property while they had it. After a few months their insurance company came to an agreement to pay the skid steer off. I called Kubota credit to make sure they received the check because I was going to purchase another skid steer. They said the check had been received and that everything was paid for. I asked them what I needed to do to close the account so that an auto payment wouldn't come out again. They told me how to go online and do it. This is where the issue comes in. I received an attachment called a Grappler with the skid steer in XXXX of XXXX. It was financed within the same account. The lady that told me to close the account must not have caught that. I didn't know it was financed as a separate piece. They finally called me and I paid it off right away. Next thing I know they reported me as not paying it on time and my credit score dropped XXXX points. I've had my new Kubota skid steer for XXXX plus months and still have not missed a payment or been late. I talked to them about the issue on XX/XX/XXXX and again to a person that said a manager would look it over on XX/XX/XXXX. They said they would call me back and never did. I received a letter that they denied my request to fix the credit reporting and that was it. I try to pay everything on time and because of a mistake on their end telling me to close the account..ended up ruining my credit.
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank which finances the TJMaxx Rewards card closed my account today after XXXX months of having the card opened. I paid each month on time and actually paid it off recently. My credit score has gone up actually in the last month and a half because I have paid down a lot of my credit cards ( or paid them off ) and personal loans. The reasons the company used was that I did not have real estate in my name to secure the account ( which I didn't have when I opened the account 7 months ago ), that my balances are too high, which is not factual as of XX/XX/XXXX and if XXXX XXXX or XXXX is reporting such, they are reporting erroneous information because I have proof that I have paid down my debt. 

I contacted the company and spoke to a manager who opened an investigation and while discussing with her I informed her that this seems to be a pattern. I have other XXXX Americans who have made similar comments that Synchrony gave them credit on these store credit cards and around XXXX XXXX months later the card ( XXXX ) were suddenly closed after a big purchase like a house or car. I have also memory that I had a XXXX and Care Credit card that were in good standing in XXXX that they closed 8 months later after I paid them both off. 

This company is practicing discriminatory lending practices, issuing credit then suddenly after the cards are paid off, closing them without legitimate and factual reasons. At least if the reasons were valid when you approved me you can not use the same reasons to suddenly close my account, correct? And now it's happened twice. At least in XXXX, I owned a home that didn't suffice to secure to credit cards with a total {$1500.00}!!!!
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM AT A STANDSTILL AT THIS POINT OF MY LIFE AND THERE IS SO MUCH I WANT TO ACCOMPLISH. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-01-18
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: Fidelity National Information Services, Inc. (FNIS) (LA)

remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX XXXX off my report with monetary relief. That is not my driver license number. Or provide proof in writing within 30 days.
Consumer complaint received 2019-10-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MD)

The 3 major credit bureaus ignored my request to provide me with the documents to verify the disputed accounts. As a result, this means that the items have NOT been verified or you can not verify any of these accounts under Section 611 ( 5 ) ( A ) of the FCRA. The unverified items still remain on my credit report in violation of Federal Law. The credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified these items as being reported correctly, yet no information has been provided to me. I have asked to be provided with the name of the individual, their business address, and telephone number of the individuals that were contacted to verify my accounts. The original letters were mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The credit bureaus had 15 days to get me the information I requested so the information MUST promptly DELETED since it was not verified.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

After reviewing my credit file XXXX is appearing on my credit file. A company that I have never heard of or dealt with. This company has never reached out ton me regarding any alleged debt that they have under my name. They have not given me the chance to dispute the validity of this alleged account. Not only that I am a victim of identity theft and I believe this account is a result of identity theft. I request that this account be block immediately. I have never signed a contract with this company nor any company that XXXX represent.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

XX/XX/XXXX, XXXX : Unlawfully funded auto Loans. 
XX/XX/XXXX, XXXXReport filed on Company Disputes/Phone contacts to company on reporting wrongfully on my Credit profile With all three Credit Bureau 's, and reach out about action of reporting and no change. 
These reports of dispute were filled started XXXX. It started during COVID time. And at the time state of CA stated no credit issue would damage my credit profile due to due to COVID-19. I also filed a hardship which the company told me it wouldn't hurt my credit report in any kind of way. And they lied and put on my credit report negative 30 days & 60 days late. Which in return destroy my credit profile. I had to pay more in fees, and was declined in loans and declined in purchasing a home. This as been a ongoing battles that must be fix asap. I also have file with other companies too. There has been unlawfulness and violations of FCRA also the FDCPA, TILA.
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I have been dealing with USA auto services or sales. Back in XX/XX/2022 I purchased a XXXX XXXX. 
In XXXX I had difficulties with the vehicle not working due to the killswitch that they had in the vehicle I complained to the company several times a few months after that, the company went bankrupt. I have been notified by another company but I'm not sure if that's the correct place they will calling about me paying for the loan and now they have stop calling. I can not get replacement tags on the vehicle and I had stopped paying the insurance on the car because it wasn't working. I have not gotten any resolve from the issue. And now I don't know what to do.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (TX)

I was trying to build my credit score, so month after month my score kept climbing, nothing appeared odd on my reports that I was checking in on. Then XXXX day I received a notification that my XXXX score had dropped by XXXX points, upon further investigation I saw that a line of credit had been opened in my name and they ran a charge to the full amount of XXXX XXXX dollars. A few oddities I noticed from the beginning was that it said I had opened this line of credit years ago which could not have been possible ( I believe it said the line had been opened around XXXX ) but not until recently ( around XX/XX/2023 ) had the account been maxed out or even touched. Another thing that seemed odd was the company that had allowed this line of credit which was ( CITICARDS CBNA ), I could not find much information about this company and there address they provided on the report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX is mail only, they apparently have no email or phone number. I contacted Citi bank since the information I did find pointed me to that company being responsible for supplementing the credit. After a brief phone call with there identify theft department they determined they could not help me but XXXX weeks later they called me back and said they will look into the report. After 15 days I received a letter in the mail stating they could not find any instance of fraud as they could not locate the specific account. This issue issue is still unresolved and now XXXX trying the next step to get this handled.
Consumer complaint received 2019-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: American Elite Recovery, LLC (NC)

Company reached out trying to collect a 10 year phantom debt from XXXX XXXX saying I had little time to pay before legal action was taken. Got a call from a different person the next day from XXXX numbers saying they were from County of my residence and that they were sending cops to my workplace sense I wasnt going to pay. Company was spoofing caller ID as well. 

XXXX XXXX and XXXX XXXX were the two individuals I spoke to.