davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (NV)

In XX/XX/2017 I was in patient at the hospital. I guess a doctor I do not even know came into see me and bill my insurance company. The insurance company did not pay as wrong paperwork was turned in by the doctor. He showed it as an ER room visit when I was in patient. The doctor in turn put this with a collection agency. I received a letter from the collection agency stating I owed {$400.00}. First I called them and asked for contact information on the doctor so I could get it taken care of. They would not give this to me and told me to contact my insurance to get it. I did this and was told the collection agency needed to provide this. I called them again and was told they needed a letter to give out this information. I took a letter into the agency office and they still refuse to give me this information saying they don't have that. How can they say I owe someone, but not be able to give me there contact information.
Consumer complaint received 2019-10-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NJ)

My issue started with an overdrawn balance of XXXX on the XX/XX/2019. I was not aware of the issue until receiving a correspondence form TD Bank in the US mail, that my account was overdrawn. The letter informed me that the account was overdrawn and a fee of {$35.00} was assessed on XXXX. 

I then deposited {$140.00} on XX/XX/2019. I was surprised that the account was still negative ( XXXX ) I then deposited an additional {$100.00} for a total of {$240.00}. however, my balance was reflecting {$90.00}. 

At XXXX XXXX I was able to speak to a platform clerk. He was able to help with reversing one overdraft fee of {$35.00}, a maintenance fee of {$15.00} and a paper statement fee of {$1.00}. He suggested that I speak to the manager of the branch., who would be available later in the day. I returned later on the XXXX but the manager was not available. I then came back the following day on XX/XX/XXXX again the manager was unavailable and the person on the platform would need an override key. I then went again yesterday XX/XX/2019 spoke with the manager, who agreed to credit half the fees and made it sound like she was doing me a huge favor. 

Subsequently, I was able to get online access and could see that I was accessed an overdraft fee on XX/XX/2019 and again on XX/XX/2019. I am irritated that a XXXX negative balance has morphed into {$280.00} of overdraft fees and a {$15.00} maintenance fee for being below {$100.00}. The bank is engaging in unfair and deceptive practices. 

I am attaching the account activity from XX/XX/XXXX XX/XX/2019and  attaching an image of my account being accessed an overdraft fee today XX/XX/2019.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

It was brought to my attention that a closed charge off account that was charged off back in XX/XX/XXXX by XXXX XXXX was now reporting negatively as an open collection account. I am in the process of purchasing my first home and the underwriters wanted to know about the collection account that was reporting on my credit bureau from Portfolio Recovery in the amount of {$2400.00}. I called XXXX XXXX to have a letter sent to me stating that the account was charged off back in XX/XX/XXXX and they stated that they could not do so. Today, XX/XX/XXXX, I receive notification that I have a new negative remark on my credit report and to my surprise, Portfolio Recovery is now reporting the account as " OPEN '' and that it is an active collection account, 3 years after the account was charged off by XXXX XXXX. This is delaying my ability to get my first mortgage and this company is not willing to send my last statement that I had with XXXX XXXX so I can provide proof that the account was charged-off. The reason for my complaint is because of this company 's deceptive and unethical reporting practices causing the once 3 year old closed charged off account as an open and active collections account. I would like for this " collection account '' to be taken off my report completely due to their manipulative, deceptive, and unethical ways of doing business and for not providing me with my last statement that I received from XXXX XXXX.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

LET ME KNOW THE REASON AS TO WHY THE NEGATIVE ACCOUNT FOR XXXX/XXXX XXXX IS STILL REPORTING ON MY CURRENT CREDIT REPORTS. THE ACCOUNT IS FROM 2015 WITH NO BALANCE AND IS REPORTING LATE PAYMENTS OF 90 DAYS. PLEASE TAKE THE TIME TO INFORM ONTO WHY THE ACCOUNT IS STILL ON HERE. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING IT, AND NOTHING HAS BEEN DONE ABOUT IT.
Consumer complaint received 2019-10-16
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: AMCOL Systems, Inc. (TX)

I HAVE WRITTEN TO THIS UN KNOWN CREDITOR, AND ALL 3 CREDIT BUREAU 'S INCLUDING FILING WITH FTC
Consumer complaint received 2019-10-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

I refinanced a loan with One Main Financial, per my loan documents, my first payment is due XX/XX/XXXX, I made my payment early, and it is not crediting to my XXXX payment it still states I owe the payment for XX/XX/XXXX! I contacted the branch where I did the loan, they assured me my payment was credited and my next payment was not due until XX/XX/XXXX see following email Hi XXXX, Due to your payment of {$190.00} on XX/XX/XXXX, your account will not be due for a payment until XX/XX/XXXX. You have made your XXXX payment. 

Thanks, XXXX XXXX | XXXX. Personal Loan XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX XXXX | XXXX However when i log in it still says due XX/XX/XXXX, I sent him the snap shots, he then referred me to call the online department to sort it, and to let him know if I had any problems I did call, XXXX and explained to the girl, was put on hold for a very long time while she checked with her manager? After being on hold for 17 minutes she came back on, said the payment was showing but because i made the payment early it will still reflect it is due?

I asked to speak to the manager, she was busy and would have her call me? 
I have snap shots of all, this is really ridiculous!
Consumer complaint received 2019-10-16
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)

PLEASE INFORM ME AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS. I HAVE ATTEMPTED SEVERAL TIMES TO DISPUTE THIS ACCOUNT OFF AND NOTHING HAS BEEN DONE ABOUT IT, NEITHER IS IT VERIFIED OR ACCURATE WHAT SO EVER. THE ACCOUNT FOR XXXX   LOOKS LIKE IT'S FROM 2017 WITH A BALANCE OF XXXX, REPORTING 60 DAY LATE PAYMENTS. PLEASE INFORM ME AS TO WHY IT'S STILL ON THERE.
Consumer complaint received 2019-10-16
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)

PLEASE INFORM ME AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS. I HAVE ATTEMPTED SEVERAL TIMES TO DISPUTE THIS ACCOUNT OFF AND NOTHING HAS BEEN DONE ABOUT IT, NEITHER IS IT VERIFIED OR ACCURATE WHAT SO EVER. THE ACCOUNT FOR XXXX LOOKS LIKE IT'S FROM XX/XX/2017 WITH A BALANCE OF XXXX REPORTING 60 DAY LATE PAYMENTS. PLEASE INFORM ME AS TO WHY IT'S STILL ON THERE.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the item which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I was never late on this account, the balance is incorrect. This is a good-standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 


XXXX XXXX
Consumer complaint received 2022-02-11
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EOS Holdings, Inc. (MI)

I had a debt that was sent to EOS CCA from XXXX XXXX. I settled the debt out with paying less than I owed last year in XXXX. I received two 1098- E statements issued for the amount {$3300.00}, but with separate Lender Name 's and TIN. I am unsure which one I should use to file my taxes, which I have been transferred several times and have gotten no where. 

EOS XXXX, XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX and US Asset Management, Inc XXXX XXXX XXXX XXXX, XXXX  XXXX Why would I receive two 1098E statements for the same debt. Also, I received a 1099C on the canceled portion of the debt, but per Notice XXXX-1 that lenders are not required to, and should not, issue Forms 1099-C when certain student loans are discharged. Lenders and their servicers should act now to review their tax reporting procedures for compliance with the Notice. 

Based off review of the notice, it pertains to private student loans, which this company collected on behalf of XXXX XXXX, which would considered a private student. The company issued the 1099C, which would impact my taxes and cause me to have to pay taxes on the canceled amount.
Consumer complaint received 2022-10-11
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the item which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I was never late on this account, the balance is incorrect. This is a good-standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 


XXXX XXXX
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I recently in XX/XX/XXXX did a dispute with XXXX XXXX which also affected my Equifax report. The dispute was to show that I paid XXXX XXXX mortgage off because it was showing that the account was still open. I sold the home and paid the mortgage off in XX/XX/XXXX of XXXX. Prior to selling the home I was in chapter XXXX, which ended in XXXX due to I was all paid in full including my mortgage which I even made XXXX from the selling of the home so the home was not lost to any bankruptcy. The trustee was making the payments from XXXX to XXXX when the house was sold on time every month. Now that the bankruptcy is over its showing on my report that XXXX did not report anything during the bankruptcy so each month its showing blank no reporting which is fine but at the bottom XXXX is making a comments or somebody is putting comments in my account showing XXXX to 150 days delinquent. Within other parts of the credit report its showing no late payments. I have lost the ability to get a mortgage now in the middle of waiting to close on my new home because of this new statement on my credit report. I am losing all the money that I put down to hold the home all the money that I put into applying for the mortgage because XXXX refuses to let them know that there is no 150 days delinquent or 120 days delinquent even though XXXX did a conference call with factual data and told them there was no 120 days 150 days late now theyre turning around same because I did of voluntary dismissal of my chapter XXXX because I didnt need the chapter XXXX anymore because I was all paid in full with my mortgage that is a reason that theyre giving me for why theyre reporting it late or delinquent when they dont even have any reportings. I have my payments from XXXX on the XXXX website which I have printed showing payments made every month no payments were missed at 120 days or 160 days or 150 days or 30 days or 90 days or 60 days they were always paid. XXXX is ruining my credit and Id like something done about it please. The only reason Im including XXXX XXXX is because I try to get a new mortgage and the underwriter ran my credit the first time and everything was fine and then were moving on to getting closer to closing they ran my credit again and XXXX and added the statement about 120 days delinquent as of XXXX when the account was already closed in XX/XX/XXXX they pulled my mortgage and I am losing all my money that I had invested in the house because XXXX gave a verbal to XXXX XXXX that I was not 120 days overdue on a conference call but then they said they wanted a letter and XXXX is refusing to do it and now XXXX is putting this on my credit pork with 150 days in Equifax and I was getting Hire instead of XXXX and nothing is working and XXXX losing everything I have because of them
Consumer complaint received 2019-07-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (NJ)

My name is XXXX XXXX, I had been out of work and struggling to pay rent and other bills. I contacted this company via email I honestly thought it was a regular loan. I am very distraught the amount was XXXX dollars. I am afraid they may garnish my pay or take me to court. There have been alot of complaints about this comany amplify funding in wisconsin, I am so afraid of what may happen.
Consumer complaint received 2019-06-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

There are 3 hard inquiries showing on my credit report. These were done on XX/XX/2019. The names are XXXX XXXX FL, XXXX XXXX DE and Capital One XXXX VA. I did NOT apply for credit with these 3 companies. Should I be concerned with identity theft?
Consumer complaint received 2020-02-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (TN)

Requested Deville Asset Management to verify debt they sent me someone else 's private information. I requested the company respond within 30-days but there was no response. Since there was no response I contacted company in attempt to discuss previous sent lettter. The representative answered the line and immediately became very defensive with his words and would not let me speak. He refused to listen to any thing I was stating. He said my phone call was a waist of time and that he was not removing debt and I can notify anyone I want because he didn't care. After he finished I asked if I could speak to someone else because he's too defensive. He said no. He was very rude and unprofessional from the start of the conversation. 

Why is he so defensive? when they sent me the incorrect information. They exposed someone's private information to me. 

And yes they should be held accountable.
Consumer complaint received 2024-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally filing complaint regarding inaccurate information on my credit report, specifically concerning two student loan accounts that do not belong to me. I believe that these accounts have been mistakenly associated with my credit profile, as I have never attended school and have not applied for any student loans. I am attaching copies of my updated XXXX XXXX XXXX, which clearly show the two erroneous student loan accounts in question. The discrepancies on my credit report are causing significant harm to my creditworthiness, potentially affecting my ability to secure loans, housing, and employment opportunities.
Consumer complaint received 2022-03-21
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. (NC)

I recently in XX/XX/XXXX did a dispute with Trans Union which also affected my XXXX report. The dispute was to show that I paid XXXX XXXX mortgage off because it was showing that the account was still open. I sold the home and paid the mortgage off in XX/XX/XXXX of XXXX. Prior to selling the home I was in chapter XXXX, which ended in XXXX due to I was all paid in full including my mortgage which I even made XXXX from the selling of the home so the home was not lost to any bankruptcy. The trustee was making the payments from XXXX to XXXX when the house was sold on time every month. Now that the bankruptcy is over its showing on my report that XXXX did not report anything during the bankruptcy so each month its showing blank no reporting which is fine but at the bottom XXXX is making a comments or somebody is putting comments in my account showing 120 to 150 days delinquent. Within other parts of the credit report its showing no late payments. I have lost the ability to get a mortgage now in the middle of waiting to close on my new home because of this new statement on my credit report. I am losing all the money that I put down to hold the home all the money that I put into applying for the mortgage because XXXX refuses to let them know that there is no 150 days delinquent or 120 days delinquent even though XXXX did a conference call with factual data and told them there was no 120 days 150 days late now theyre turning around same because I did of voluntary dismissal of my chapter XXXX because I didnt need the chapter XXXX anymore because I was all paid in full with my mortgage that is a reason that theyre giving me for why theyre reporting it late or delinquent when they dont even have any reportings. I have my payments from XXXX on the XXXX website which I have printed showing payments made every month no payments were missed at 120 days or 160 days or 150 days or 30 days or 90 days or 60 days they were always paid. XXXX is ruining my credit and Id like something done about it please. The only reason Im including freedom mortgage is because I try to get a new mortgage and the underwriter ran my credit the first time and everything was fine and then were moving on to getting closer to closing they ran my credit again and XXXX and added the statement about 120 days delinquent as of XXXX when the account was already closed in XX/XX/XXXX they pulled my mortgage and I am losing all my money that I had invested in the house because XXXX gave a verbal to factual data that I was not 120 days overdue on a conference call but then they said they wanted a letter and XXXX is refusing to do it and now XXXX is putting this on my credit pork with 150 days in XXXX and I was getting Hire instead of XXXX and nothing is working and Im losing everything I have because of them
Consumer complaint received 2022-10-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (AR)

If you will notice this is the exact amount charged off by stage commenity I was under the impression it was gone n this is why I didnt recognize it. It didnt show and then it did again. I realized this yesterday when they called me up harrassing me and demanding me to stay in the line even after I made it clear I was entering my job my job is stressful enough without smart ellic men talking down to me This debt is OLD AND CHARGED OFF WHY THIS COMPANY IS HARRASSING ME NOW IS CROSSING THE LINE IN MY OPPINION IT SHOWED DOUBLE ON MY REPORT FOR AT LEAST a year or 2 for that alone it should be removed!
Consumer complaint received 2020-11-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

on XXXX I sent in a dispute letter demanding deletions from inaccurate information and accounts that are furnished on my credit report. It has been over 45 days and I have not heard anything back. I feel like my issue is not being taken serious. I am also a victim of the XXXX data breach. I have contacted XXXX, Transunion, and XXXX. All 3 bureaus are in violation the FCRA 1681B I DID NOT GIVE WRITTEN CONSENT FOR ANY OF THE ACCOUNTS IN DISPUTE TO BE FURNISHED.
Consumer complaint received 2022-03-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (TX)

I noticed that a medical collection account appeared on my credit report for {$1900.00} from Phoenix Financial Services. It is being reported as a medical collection. I disputed the credit reporting and to my knowledge all my medical bills have been paid by insurance. They came back and said the debt was valid. On XX/XX/2022 at XXXX XXXX I called the collection agency Phoenix Financial Services and they advised that they no longer had the account. I advised that if they no longer had the account then they need to remove the account from my credit report. The representative said they will not remove it and referred me to yet another agency called XXXX XXXX XXXX. I called the number provided and was not able to reach a live person to discuss this matter. The number provided was XXXX. To my knowledge if they no longer have the account then they can not report it to my credit report as an open active collection. This is misleading and is considered fraud. I would like this matter investigated and removed from my credit report. Thank you in advance for you assistance!