davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-11
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: CBC Companies, Inc. (TX)

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX C/O XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX, AZ XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX/XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX/XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX & XXXX XXXX XXXX XXXX Inquired XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2020-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I've contacted this collection agency several times asking to provide a signed contract with my signature. No real proof has been provided. Please delete. 
Date contacted were in XXXX 2020. If such documents can not be produced please DELETE this account from my credit report immediately.
Consumer complaint received 2019-10-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I have been disputing this collection for the past couple months. Equifax has stated that this account was verified, but has failed to provide verification. The collector only provided me with an itemized statement of charges. They did not provide me with any original contract bearing my signature proving this debt. 

XXXX ACCT # XXXX Acct # XXXX
Consumer complaint received 2019-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

On XX/XX/2019, I received a letter from the XXXX XXXX XXXX XXXX XXXX XXXX stating that they intend to file a 1099-C form for a debt that I have disputed as being valid from 16 years ago. This is a violation of collection laws as my request to provide proof of debt with the former collection agency regarding this debt went on deaf ears. Additionally, this debt has lapsed all of the time limitations of my state and is not able to be collected legally. This law firm is infringing on my legal rights. In addition to filing a CFPB complaint, I will also be filing an IRS 1099 complaint against this law firm.
Consumer complaint received 2019-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (MD)

On XX/XX/XXXX I went to the XXXX XXXX XXXX XXXX. I was XXXX XXXX and provided all of my information at that time. 

In XX/XX/XXXX, I received my first collections letter ( never even got a bill prior ) from XXXX XXXX XXXX XXXX. I called my insurance, XXXX, who stated they have never received a bill and would need a letter also explaining why nothing was submitted prior. I talked to the hospital who said they cant help and then I talked to XXXX again who took down my XXXX information and said they would work it. 

XX/XX/XXXX, I get another letter from XXXX XXXX XXXX for the same debt. I spoke to them and explained what occurred last time and by the end they said they would work it. 

XX/XX/XXXX, I get a bill for the same debt from Phoenix Financial Services. I call them and the first lady said that its not medical insurance to be billed its car insurance.. I found that odd so I called XXXX once again. XXXX confirmed they have yet to receive anything from anyone regarding this and whoever was billing needed to bill them. I called Phoenix Financial services back and told them basically the same thing I told XXXX is that they can bill XXXX. I was told they do not do that. That is the hospitals job and I had to pay a debt now four years old ( statue of limitations in MD is 3 ) or get the hospital to take back the file of debt and bill. 

Its 4 years after the first visit and because someone didnt bill my insurance I am continuously dealing with debt collectors. The first few letters I thought would be the last as XXXX said they would bill XXXX. 

Phoenix Financial is now stating they will file this on my credit report. 

I do not feel as if I have to pay this debt because someone four years ago didnt file a claim with my insurance. I have provided my military ID over and over again for any collector or organization to submit the proper claims to XXXX to receive their money the correct way. 
The debt is four years old. 
I was XXXX XXXX XXXX and XXXX covered everything if they were billed. 
No one has billed XXXX. 

I do not think that is my responsibility to pay a debt when the hospital had my insurance ( billed it for other things ) and did not bill this. XX/XX/XXXX said it would be worked and I thought this was over. 

I have never not settled a bill that I owed. I have either helped a billing department refile the bill or paid what I owed.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2022-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

I got to know the debt on my credit line of {$330.00} ( which I had no idea of, and a debt I did not have ) from XXXX that I owe LVNV Funding ( XXXX XXXX  XXXX ). I raised disputes through XXXX, XXXX and XXXX. Although my XXXX credit got resolved through the dispute, the collection account has not been closed. I have no credit cards from XXXX as I only XXXX credit lines from XXXX and XXXX. I feel this is a fraudulent activity on my credit line and I would request you to look into this case as soon as possible as this is affecting my credit score and credit line. Attached in the complaint is the XXXX Report generated as of today ( XX/XX/2022 ) for accurate info on my credit.
Consumer complaint received 2019-10-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

OCWEN FORCLOSED ON THE PROPERTY WHILE I WAS IN THE MIDDLE OF A LOAN MODIFICATION WITH A HUD COUNSELER FOR THE STATE OF MARYLAND THERE WAS NO MITIGATION OR MEDIATION OFFERED AS REQUIRED BY MARYLAND STATE LAW. XXXX AND XXXX WAS THE TRUSTEE A COMPANY THAT HAS ALSO BEEN SUED FOR THIS PRACTICE AS WELL IAM STILL IN THE HOME THERE HAS BEEN NO LETTERS OF EVICTION OR ANY NOTICE TO LEAVE
Consumer complaint received 2022-12-02
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. (NY)

On XX/XX/2020 I Dispute this account to XXXX, transunion, and XXXX that this account dont not belong to me and I have no idea what what is this account. 

However the credit bureaus said the they have completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to and How did they complete this investigation.
Consumer complaint received 2019-10-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received a call to my mobile phone looking for my wife. I was told it was concerning a small business matter and they failed to identify. I stated please tell me what company do they represent and what business matter, and they refused to answer repetitively. I Did say my wife is not at my number. I stated since they are refusing to properly identify themselves that any numbers they have on file are to no longer be used to make contact and furthermore only contact regarding the small business matter through mail. And any further attempt to contact by phone in this small business matter can be met with civil litigation. I was then told the are from Portfolio Recovery Systems. At this point I was also told they are ending the call. This happen XX/XX/19. They just called again XX/XX/19.
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: Experian Information Solutions Inc. (IN)

on XX/XX/2020 I mailed in dispute letters to XXXX, XXXX  and Experian. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me stressed and is slowing down my process of getting a home. Also I am a victim of the XXXX  data breach. Its been over 45 days and i have not gotten any results.
Consumer complaint received 2019-10-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I received a loan on a XXXX XXXX in XX/XX/XXXX. I never missed a single payment on the vehicle until XX/XX/XXXX, which was the very last payment due on the loan. We have moved three times in the last couple of years. I'm not sure if they ever tried to send us anything, but we never received it if they did. I went into the local Fifth Third Bank, because I could not find my payment book. That's when I was notified that I was making my last payment, when in reality I had one payment left after that ( the missed payment ). We received an email from XXXX XXXX about the missed payment, and I paid it immediately. It still negatively impacted my credit score by 60 points due to one misinformed missed payment after years of paying on time.
Consumer complaint received 2019-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (MA)

The servicer is insisting that their " system '' does not allow them to apply overpayments without creating a " paid ahead '' status. I do not consent to being in a " paid ahead '' status, and wish for my full monthly parent to be due, regardless of whether or not I've made an overpayment.
Consumer complaint received 2019-10-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MD)

Loan with Santander Consumer USA contract signed on XX/XX/XXXX with 60 monthly payments. 1st payment due in XX/XX/XXXX. The co-signor ( ex-boyfriend ) and myself parted ways in XXXX. I was not aware he failed to make the XX/XX/XXXX payment. I contacted the bank a few months after advising them that the co-signor and I are no longer together and I was stuck paying for the entire household bills and two car payments and I needed to see what they can assist me with. The extended the loan for XX/XX/XXXX and changed my payment arrangement from {$350.00} per month to the principal of {$210.00} for 6 months. The original payment will be come due XX/XX/XXXX. I have contacted them on numerous occasions telling them their accounting and the payments to the account are not being credited correctly. I said 1 day I owe {$2200.00} I make a payment and it comes down to {$1500.00}. I recently just went on my account XX/XX/XXXX @ XXXX in showed that I owed a balance {$1500.00}. I made a payment of {$350.00} logically and in basically math from their system should have said balance {$1100.00} but as of today it shows {$950.00}. I have made all payments according to arrangements.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OR)

Sent an alert from Experian that my credit score decreased by 25 points. Called them to find out why, and they were unable to tell me and said any information they give me would be considered financial assistance and they are not allowed to give that kind of information. They had no explanation except to guess that because I have a home mortgage and that could be the reason. I have always had a home mortgage, and asked why now after all these years would that decrease my score ( which was over 800 ). My wife 's score was higher than mine originally ( XXXX ) and hers is even lower than mine! They also had no explanation for her score being lowered so much. They said to go their website to their " simulator '', but you can not go anywhere without solicitation to purchase this or purchase that and never end up at simulator. It is also impossible to get through on their customer service number because it is all automated. So had to call dispute number. Please let me note that I have NEVER been late with any kind of payments, have no outstanding balances -- always pay balance down before due, as does my wife. My main complaint is that the I did not, nor does the public ask them to monitor me ( us ), but if they do and are treated unfairly, they need to explain and give a reason. They were unable to. They offer a " Raise your score here '' but only if you give them more information that you do not want to give. And if they are able to raise your score, why don't they???
Consumer complaint received 2019-10-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Paypal Holdings, Inc (TX)

Dear officer, I am bringing up this matter to you so you can help collect my money from XXXX/PayPal. Com. 
On XX/XX/2019, I tried to purchase refurbished Trimmer for {$59.00} but XXXX said the sale was 'Incomplete '!!! But they deducted {$59.00} three times and since then I have emailed them to refund my total {$170.00}, but they would not, and ignored. 
Please help me recover money and spmething, some law should be in place to punish big business like XXXX/PayPal. They rip off unsuspecting innocent Consumer and make millions of dollars like that. 
Kindly, help me in this matter. 

XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

After paying off one of my accounts ( XXXX XXXX ), Equifax decreased my credit score by XXXX points and at the same time, my credit score with XXXX increase by XXXX points. 

I contacted Equifax for an explanation and after the customer service representative could not sale me one of their credit monitoring products and I declined, I told him I was only interested in filing a complaint against Equifax, he told me to figure it out myself. 

I understand the concept of leaving an account open once you pay it off but I do not understand why Equifax would lower my score by XXXX points after the account show a XXXX  balance.
Consumer complaint received 2019-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (RI)

XXXX XXXX has been checking my credit report monthly and if it drops they either close the account or drop the spending limit. They closed XXXX XXXX and now they closed XXXX on me. For more reason. I have made payments on time and have paid more than requested
Consumer complaint received 2019-10-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

My wife was required medical attention after XXXX  XXXX in XX/XX/XXXX or XX/XX/XXXX. 
XXXX XXXX Hospital, XXXX We had insurance and explained to the hospital several times. Then Progressive Management took over the account. They reported to the credit reporting services a {$1300.00} balance. 

They called many times to harass my wife and she ask for information but it was never received. After much harassment she ask that they not call her cell phone. 

Now somehow after disputes it continues to grind on my families credit score. XX/XX/XXXX I called Progressive and ask if there was any way to fix this problem and enable me to rebuild my credit. This is the only black mark I have except high balances. They said they would only accept the balance in full. I said after 6 years you should not even be harassing my family. They offered no help. 

While billions of dollars were written off after Obama care, and our health insurance has tripled in cost the large medical institutions and their collection agencies harass their customers when the costs were triple what they should be and they offer no sensible discussion or terms. 

Shame on XXXX. Shame on Progressive Management. May the wrath they bring on their customers come down on them. 

I urge the CFPB to help us and make an example of what they should have done in the first place. 

XXXX XXXX & XXXX XXXX
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 — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have filed dispute after dispute after dispute with XXXX  about the following that reported on my credit report that is fraudulent and do not belong to me. The following are listed : These are fraudulent : XXXX XXXX Inquiry from XX/XX/XXXX - Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX -Automobile  Dealers, XXXX XXXX Financial  Inquiry from XX/XX/XXXX - Auto Financing The following does not belong to me : XXXX XXXX   Account Info Reported on XX/XX/XXXX XXXX  retrieved this information from a third party ( XXXX XXXX ) Chapter XXXX Bankruptcies Courts Do Not report to any credit bureaus. I have sent in numerous times certificated letters contesting this information but no change.
Consumer complaint received 2022-03-21
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. (TX)

The XXXX XXXX has failed to do a proper investigation and independent investigation. Ive sent several certified dispute letters regarding the inaccurate late payments. XX/XX/XXXX is 30 days late, XX/XX/XXXX is 60 days late, XX/XX/XXXX is 90 days late, and XX/XX/XXXX is 30 days late. 

I've asked for proof that I was late the month XXXX XXXX has reported but they fail to reply to anything.. XXXX XXXX simply ignores my disputes. They think they are simply above the law and they can just ignore it. 

Violation & Inaccuracies Failed to enter the Notice of Dispute within 30 days It is a Violation to report a {$500.00} Credit Limit on a account that has been closed since XXXX The XXXX XXXX Said the account is reporting certified accurate AND correct information. But how can this account be accurate when this account has been disputed XXXX consecutive months yet the " Status Date Updated is XX/XX/XXXX. '' That's impossible to be reporting Certified accurate VERIFIED information WHEN THE STATUS DATE HAS NEVER CHANGED XXXX SO THAT MEANS THIS ACCOUNT HAS NEVER BEEN independently INVESTIGATED. VIOLATION OF SECTION 623.