davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KeyBridge Medical Revenue Management (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2021-06-11
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: EQUIFAX, INC. (NJ)

I had some unauthorized or fraudulent inquires that have been place on my EQUIFAX credit report without my consent or signature Creditor : XXXX Date : XX/XX/XXXX Creditor : XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX Date : XX/XX/XXXX I have done contact EQUIFAX in multiple times for several months regarding those 3 inquires and they never do nothing about it. I have sent multiple police reports, FTC reports and disputes but EQUIFAX refuses to remove those inquires from my credit report. I even tried to call in in talk to a couple representatives or Supervisors from EQUIFAX and each time i am asking to do a human investigation concerning those alleged inquires they would hung up the phone on me. Which is a violation of my CONSTITUTION FEDERAL RIGHTS.
Consumer complaint received 2019-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (PA)

I would give negative if I could. My TD checking account was locked since I tried to log in online using wrong password many times. I called the customer service line and see if they can help. They said they could not ID me on the phone and I had to go to the branch. The nearest branch was 3 hours away. I said I wanted to close my account but they said I still have to come in to the branch. I am a XXXX and that day ( XX/XX/19 ) I had to reschedule my patients and lost my income on that day plus had to drive 3 hours to and from the bank. When I went to the bank at XXXX, VA, the bankers asked me why my account was locked and why I had to be physically here. They even said they did not know the reason and that is the top security. I told her what? I never owed any bank or even had any collection company called me. They made me feel like I am a criminal. They asked me about my previous address dated back for 10 years, my driver license, my bank statement from the other bank that I transfer to money from and make the copy of the other bank credit card, my SSN and also demand me to show my SSN card. Could all of these be done on email or phone when there is no difference at all whether you would ask me on the phone or see me in person? On top of that they made a copy of my other bank debit card. Is that not invading my security with the other bank? I had to download a statement from the other bank online account and email it to the banker 's email address. Isn't that invading my security? That sounded fishy to me. Are they stealing my money? How could this be possible when every single bank has the option to recover your password or identify you on the phone or online. When I arrive to the branch it was almost closed and the headquarter was already closed so the banker could not close my account until my account was unlocked. I guess TD just want to keep your money for inconvenience. Imagine if you move to the west coast or foreign countries where there are no TD bank around. Why would they even advertise about online banking when it is not online at all. I will demand them to pay my gas and time I waste to drive back and forth and also emotional distress. This is just UNFAIR. I will tell all of my friends and whoever I know to stay away from  TD bank. 
Beware of TD bank, they want to take advantages of the customers who live overseas or in the area where no TD bank located.
Consumer complaint received 2019-06-22
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I applied for a business loan at XXXX XXXX the bank pull up my credit report and declined the loan because I had 3 negative items, that were reporting charged off collections, I was so frustrated because I paid all this accounts on XXXX. My wife registered me at XXXXXXXX XXXX a company that repairs credits in order to accelerate the process because I have paid in full letters from the 3 creditors Capital One, XXXX XXXX and XXXX XXXX XXXX, it has been six months already sending back and force documents to the credit bureaus disputing the accounts, calling the creditors and the only Credit Bureau that deleted this 3 accounts was XXXX on XX/XX/XXXX. XXXX and XXXX  are still reporting inaccurate information, it make no sense that the same 3 accounts were deleted and removed on XXXX report and the same 3 accounts appears still on XXXX and XXXX  having them the same paid in full letters that we send to transunion. Please I don't know what else to do. My wife has been paying since XXXX {$120.00} to XXXX XXXX, {$24.00} to each credit bureau to check the status on the disputes has been 6 months already 180 days, we are struggling with this issue, I do not understand how the 3 credit bureaus has listed the same XXXX accounts information with different status. Please help us resolve this problem that as XXXX XXXX we follow the law by paying this accounts in full and as of today it is hurting my credit report with inaccurate information,.
Consumer complaint received 2019-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

I was unemployed from the years XXXX - the beginning of XXXX. During this time it was extremely hard for me to keep up with my credit card payments. I struggled alot during this period of hardship and unfortunately, this affected my relationship with this creditor. For the months of XXXX and XXXX, I was unable to meet the minimum payments on a {$1900.00} balance. I was attempting to enroll the accounts on a debt repayment program and this transition also led to delay in payments as the creditor and the program agency worked to negotiate a lower interest rate and lower minimum payment. This was my last resort because the company itself was not able to help me when I reached out for help with minimum payments and interest.
Consumer complaint received 2019-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

My problem is with my escrow company. It is a gigantic mess. They refuse to believe that they are wrong. But i know for a fact im 100 % correct. This problem is so big. That i cant write it. I literally need to talk with someone about this. Its far to much. I got your number from the XXXX. Because at this point. They see that i am completely right. And my mortgage company is refusing to still fix the problem that still exists. Please call me so i can lay out. How unprofessional this company is. Please call me. If i dont answer. Please leave a direct number to who ever calls. 
Im a XXXX XXXX XXXX. Im very good with my money. So please youll want to here what i got ta say. Im sure a new rule/law can be made from my issue. That will ensure it never happens again. 
I will send all my paperwork to the rep that contacts me.
Consumer complaint received 2019-06-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc (AL)

I tried contacting the original creditor ( XXXX XXXX XXXX XXXX ) to pay a debt in full. The original creditor told me the amount I owed was {$450.00}, same as what is showing on their bank APP but different from the amount reported to the credit bureau 's. XXXX told me I could not pay them directly but was told to contact The Best Service Company and make any payments directly to them. I notified XXXX that according to a letter I received from Best Service Company, I owe {$540.00}. XXXX told me that they were going to correct that by notifying Best Service Company of an extra payment they had received, and accepted, from me after they had already transferred the debt over to them. I contacted The Best Service Company and they had told me the amount owed is for {$550.00} ( different from all amounts I've been told so far, as well as the amount shown on their letter ). After explaining that the amount they are charging is incorrect, they kept disagreeing and told me they received information from XXXX saying the amount they have is indeed correct ; even after XXXX told me differently. I am being told too many different figures by these two companies and I have been attempting at settling this debt for months now so that I can get my credit in good standing.
Consumer complaint received 2019-06-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings (MD)

On XX/XX/XXXX Speedy Cash  debited my card for XXXX without my permission. When I contacted them they said that the company " XXXX XXXX '' handles all of their collections accounts, and that I should be glad my debt was settled. I spoke to 4 different people with my bank on the line and they kept giving us the run around. I called " XXXX XXXX '' and kept getting a " system down '' recording. Spoke to them XX/XX/XXXX and they stated that they didn't debit my card Speedy Cash did yet their XXXX location is on my bank statement. I asked them to produce the contract since they said the system is automatic. Speedy Cash gave them my account in XXXX of XXXX. XXXX of XXXX your company is still debiting my card. I asked them to produce the letters sent from their company they were unwilling to do so. The representative XXXX asked me if " I needed money ''. Each attempt I made to obtain the paper work they denied it to me. I even logged onto Speedy Cash website to see if I could obtain the contract and nothing was in the log. I asked a rep to send me copy and have yet to receive it.
Consumer complaint received 2019-06-22
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. (NY)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2021-07-21
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (IL)

My anger is not over the fact that my loan was denied. What I felt was unprofessional and rude was the total lack of communication exhibited by the mortgage company. 
At one point, I didnt even know who we were working with. At first it was this one lady, then the situation got handed over to another lady who didnt even have the sense enough to clear her phone messages! 
The first agent would not even respond to an email I sent her concerning a possible scam situation. Neither would take calls from me or my wife! 
They knew there was a bankruptcy involved, but didnt start asking in detail about it until I had paid for an inspection and an appraisal! 
Finally I called the branch manager, who was just as rude, insensitive and uncaring as his subordinates! Early in the process they give you a closing date. He is quick to claim how high CrossCountry rates with the VA. 
Nearly ten days after the supposed closing date, I finally get a denial letter. I can handle my disappointment, but I feel badly for my wife.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$6400.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$730.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$16000.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$550.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$540.00}. 
XXXX account from Unknown with account # XXXX and a balance of {$690.00}. The original creditor is Unknown. 
XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1600.00}. The original creditor is XXXX BANK. 
Collection account from XXXX with account # XXXX and a balance of {$4500.00}. The original creditor is XXXX XXXX. 
Collection account from XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX. 


I couldn't apply for any loans because of these negative items on my report which should not be there and and it's stopping me to get a better place for my family.
Consumer complaint received 2022-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (AL)

Franklin service inc opened a collections on credit report for an XXXX XXXX XXXX account that was paid off in full 2 years ago that showed up on credit reports on XX/XX/XXXX for {$160.00}. I filed a dispute with XXXX who it first appeared on.
Consumer complaint received 2021-06-11
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: EQUIFAX, INC. (DE)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2019-06-22
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. (NJ)

I have an auto loan with XXXX XXXX. In XX/XX/2019 my insurance company totaled the car out and paid them {$7700.00} leaving a balance of {$2900.00}. I have been trying to get them to update the credit reports as they are reporting the wrong information. We nor XXXX XXXX own the car any more the Insurance company does. So this needs to be corrected. Please report the correct information to the credit reports.
Consumer complaint received 2018-10-02
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. (NV)

I have tried to correct this numerous times with trans union as well as XXXX XXXX XXXX  to no avail. I was looking closer at the paperwork XXXX XXXX XXXX sent me per my request, and on top of it not being my account, it has being grossly re-aged to suite them. according to them I was in XXXX XXXX until XX/XX/XXXX, and I had an account with Nevada power which I didn't, now they reaged the account to the time when they got ahold of it in XX/XX/XXXX which is highly illegal. they feel like they can do what they wish with consumers and get away with it because they have the credit bureaus in their pocket. this is the last time I complain about this on here and seek an attorney if I have to. I need trans union to look into this correctly instead of just asking XXXX XXXX XXXX if it is correct.
Consumer complaint received 2019-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NC)

In XX/XX/2019, I disputed a derogatory mark that is being listed on my credit reports by Credit Collection Services. The results of the dispute came back as 'verified and accurate '. Thus, because I do not owe this debt, my next step was to dispute the debt directly with the furnisher of the information. 

On XX/XX/2019, I wrote a letter to Credit Collection Services asking them to send me the documents that were used to validate this debt with the credit bureaus. I specifically asked for proof of contractual agreement and COMPLETE accounting of the alleged debt using generally accepted accounting principles. CCS received my letter on XX/XX/XXXX and in their response on XX/XX/XXXX, CCS didn't provide me with any of the requested documents nor did the company provide me any documentation to legally validate this debt. 
Instead, I was sent a 'final bill '.
Consumer complaint received 2018-02-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services (CA)

Took out a personal loan with Lendmark Financial Services in XX/XX/2017. Since, the statements we have received does not include payment information, interest charge or balances, only how much more we should send them for that month. Every time we call they are saying that they are working on fixing the problem, but it has been since the inception of the loan. Their practice is deceiving as we don't know how much of our payment is going to interest and how much is going to payoff the loan.
Consumer complaint received 2019-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (AZ)

I have written to ARStrat on several occasions, as well as Creditor XXXX  XXXX XXXX Account XXXX. ( 1 ) giving proof this is not my debt. ( 2 ) as per divorce decree, daughter 's medical is responsibility of EX husband. ( 3 ) I eventually paid the debt since the company refused all attempts and proof otherwise. Attached is my returned check. Enclosed is my payment. Attached is Court ordered and approved ex husband was to pay medical for daughter.
Consumer complaint received 2019-06-22
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 — Problem with personal statement of dispute
Company: NRA Group, LLC (NY)

On XX/XX/2018 I had a XXXX XXXX  XXXX done. I was XXXX at the time, but due to a strong family history of XXXX XXXX, I had to have XXXX done starting at age XXXX. 

The billing department forgot to code the XXXX with " family history '' and I was denied as " non covered benefit '' because of my age. I never received any notification that this was unresolved until it showed up on my credit report. 

I disputed it thru my XXXX XXXX app, and it was determined that the account was valid. 

I reached out to the Doctors office and explained that it was not clear to me why a XXXX XXXX which is covered at 100 % on my policy is now a negative remark on my credit report and in collections. 

The doctors office advised that they fired their billing agency because this happens all of the time and that they would write it off because it was beyond the 120 days to alter the medical claim, that my chart indicated in several places that this was a covered benefit because of family history and it was an office error that the account was placed into collections. 

It is still negatively impacting my credit score. I have reached out to the credit collections company and advised everything to them about this and they won't do anything about this. 

The {$380.00} is the responsibility of the doctors office. They filed the claim wrong. They waited too long to correct it. They didn't do what they were supposed to do. My insurance company would have paid this at 100 % had the billing office done their job correctly.
Consumer complaint received 2019-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NV)

Hello at the sams club I inquired about renewing a membership. The customer service representative said that I qualified for a free 2 year membership and that because I was already Pre approved I would not get a hard credit inquiry on my credit report. She asked me to enter in my social security number into the system. I did and I got my membership. I later found out that that was a lie because My credit report shows the hard inquiry. I talked to the head manager at the location and he reported the incident to the credit card company and said that he talked to the representative who lied to me. I received a letter back from the sams credit card department and they told me that it was a legal inquiry. I am upset about this because I had no need for another credit card and the inquiry lowered my credit score. I believe these representatives get some type of commission for signing up people to the credit cards so they would lie directly to customers faces just to get the commission. Please help.