davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (NH)

We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT I keep getting calls from XXXX to collect a debt belonging to XXXX XXXX. It appears that this phone # belongs to XXXX XXXX XXXX XXXX XXXX ( collection attorney ). My land line phone number, XXXX, was assigned to me in XX/XX/2017 by XXXX XXXX. This phone number used to belong to XXXX XXXX, XXXX XXXX 's father. I have repeatedly requested this debt collector to stop contacting me regarding XXXX XXXX 's debt as he is not at XXXX and the debt does not belong to anyone at this number. I have a severely injured sister who lives with my husband and me and we receive calls from her medical providers on almost a daily basis. When companies like this keep calling, it makes our land line unavailable for my sister 's medical providers to get through. I would like my phone number removed immediately from this debt collector 's database. This is the third debt collector for XXXX XXXX that calls my land line phone number. XXXX XXXX XXXX XXXX NH Attachments Caller ID.jpg ( 154 KB ) What product or service is your complaint about? 

PRODUCT OR SERVICE Debt collection TYPE Credit card debt What type of problem are you having? 

Issue Attempts to collect debt not owed Have you already tried to fix this problem with the company? 
Yes What happened? 

I keep getting calls from XXXX to collect a debt belonging to XXXX XXXX. It appears that this phone # belongs to Stillman Law Office ( collection attorney ). My land line phone number, XXXX, was assigned to me in XX/XX/2017 by XXXX XXXX. This phone number used to belong to XXXX XXXX, XXXX XXXX 's father. I have repeatedly requested this debt collector to stop contacting me regarding XXXX XXXX 's debt as he is not at XXXX and the debt does not belong to anyone at this number. I have a severely injured sister who lives with my husband and me and we receive calls from her medical providers on almost a daily basis. When companies like this keep calling, it makes our land line unavailable for my sister 's medical providers to get through. I would like my phone number removed immediately from this debt collector 's database. This is the third debt collector for XXXX XXXX that calls my land line phone number. 

XXXX XXXX XXXX XXXX NH
Consumer complaint received 2021-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a debt collection XXXX  on my credit reports that I have had deleted twice and transunion and XXXX keep putting it back on my report. I have contacted transunion and nothing has been done. I have some accurate date of XX/XX/2021 I have a confirmation that transunion deleted XXXX but yet it still remains on my report. I know for a fact I have disputed this twice this year and both times it was deleted because of my dispute but then it shows back up 3 to 4 months later. Any and all help will be appreciated as I am working diligently on my credit.
Consumer complaint received 2018-02-02
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: Experian Information Solutions Inc. (UT)

These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX and Experian. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2020-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Service Bureau (MT)

In XXXX to XXXX I was receiving treatments for XXXX  XXXX  XXXX  XXXX at XXXX XXXX in XXXX MN. I had a XXXX  XXXX  XXXX  for XXXX and these treatments were called XXXX. The problems started when the billing department lumped these treatments into XXXX bill. I started receiving bills for {$37000.00} dollars. I had changed insurance after XXXX, my wife worked as a teacher and I was covered under her insurance, in XXXX the new policy went into effect. I gave this information to XXXX on my first visit for treatment after the new year and also on a subsequent visit when they photocopied my insurance card. Each time I received this bill I would either call billing or visit the desk in the XXXX XXXX in XXXX. Each time I was told something wasn't right and they would submit it for review. Eventually a lady called and said it was all cleared up and I no longer owed anything. I stopped receiving bills. However in early XXXX I received a call and a message that I needed to contact XXXX billing department. I did and they said I still owed them {$37000.00} and how would I like to pay it. I asked them to send me an itemized statement so I could review it. They did and this is when I noticed they had billed my previous insurance from XXXX instead of XXXX. I then called them back and alerted them to this. I also called the insurance company and they had received a claim for these services but it was past the XXXX year timely manner submission. They did however say an appeal could be made if XXXX wrote them a letter explaining why it wasn't submitted on time. I called XXXX and told them this but the lady said they weren't going to do this and there position was I wasn't covered under my insurance plan. I even hired a lawyer who sent them a letter saying I wasn't going to pay the bill because I had insurance at the time. He sent the letter to both the insurance company and XXXX XXXX. The clinic has canceled all my appointments and I am no longer able to go in for checkups or see my doctors. I was also informed my bill had been turned over to a collection agency.
Consumer complaint received 2022-07-08
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. (IL)

Courthouse told me they don't report to Credit Bureaus! 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers 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. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-08-20
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: Experian Information Solutions Inc. (NC)

Credit scores having problems. As soon as I get a company off credit score.Another comes up.  There are severalXXXX XXXX. Unknown accts keepsAppears.  There is several XXXXIn North Carolina and some deceasedAnd alive. XXXX was on my rating.I disputed. It wasn't me. After disputingIt. And several more. Stop this madness.It's messing up my credit ratings. ThanksXXXX XXXX XXXX
Consumer complaint received 2018-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (GA)

Received a letter on XX/XX/2018 from XXXX XXXX XXXX XXXX trying to collect a debt for {$150.00} with American Express that is in good standing and NOT in default. The account is closed but payments are being made. I believe this company is trying to scam people into thinking their account is in default. I requesting that American Express be contacted so they can confirm my account is in good standing. AmEx would not be sending statements if I was in default.I have attached the last statement from AmEx.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have an account with Bank of America which I opened my account XX/XX/XXXX I have made all my payments on time Including XX/XX/XXXX. It seems to have been a mail room issue and it didn't post on time at no fault of my own. I have tried requesting paperwork from Bank of America to show me when the date this payment posted. First they report the wrong address on to the bureaus and when I did send to the correct address they failed to respond.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (CA)

On XXXX XXXX 2021, there is a hard inquiry made by Discover Financial Services. I have contacted the company with the number provided on my credit report. The company has told me that they have no information regarding that date or that someone used my information to take a loan out/credit card. I called XXXX to see if I can take the hard inquiry out. XXXX said have to make a report with the Federal trade commission.
Consumer complaint received 2018-08-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

Experian without my knowledge and consent removed or deleted a closed XXXX XXXX credit card account from my credit report that was in good standing. This has hurt my Average Age and credit history length.

That account # XXXX i did not give permission for Experian to do this change.

I also called about this several months ago, but the guy sweet talked me and tricked me into not disputing it.

This accounts needs to be placed back on my report. if it was removed by error or confusion it needs to be replaced back on my credit report.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (MI)

This information on my credit report was not reported per FCRA guidelines. I should have received documentation, or received contact, that this information would be reported to my credit report. I have disputed these claims, and have received no documentation confirming the right for these items to appear on my report.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

in accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX account # XXXX, has violated my rights.

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 2020-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (TX)

On XX/XX/2020, I received a notice from Synerprise Consulting Services that I owed a past due amount of {$620.00}. 

On XX/XX/2020, I sent a letter via certified USPS mail formally disputing the above claim, requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Such validation should include my signature proving my contractual obligation to pay Synerprise Consulting Services. 

The company did not provide the requested information. 

On XX/XX/2020, I sent a letter via certified USPS mail requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay Synerprise Consulting Services the alleged amount of {$620.00}. 

In addition, I requested the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' the alleged account and amount owed. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, I am aware that a printout of a bill or itemized document does not constitute verification. However, this is what I received as " proof '' of debt validation from Synerprise Consulting Services on XX/XX/2020. The listed item is inaccurate and incomplete, and represents a very serious error in its reporting.
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2022 I went online and applied for an XXXX  XXXX XXXX which banks with Bank of America. XXXX  was running ( still is ) two promotions : 1. XXXX points if {$3000.00} in purchases are made w/in the 1st 90 days. 2. XXXX points if {$3000.00} in purchases are made w/in the 1st 90 days AND 0 % APR on Balance Transfers for 12 months. I called into BoA, twice, on XX/XX/2022 to get help with the application and confirmed BOTH times that I was applying for the 2nd promotional offer. On XX/XX/2022 I received my BoA card and was reading through the terms and conditions- I noticed there wasn't anything about the 0 % APR for balance transfers so I called in. The 1st rep said : that he didn't see that promotional offer but he'd contact his underwriting department. After a minute on hold he came back and said " if you transfer over the {$15000.00} then what we can do is apply for a 0 % adjustment for you as a courtesy but it's not guaranteed ''. I obviously didn't do that but it's absolutely appalling that a Financial Institution is attempting to negotiate with a customer when they are ones in the wrong. The second rep was much more helpful. She is the one who told me that XXXX was running two promotions and I must have applied for the wrong one - even though BoA confirmed, twice, it was the correct one. She talked to her manager who said " sorry nothing we can do - call XXXX  ''. I called XXXX  and they said, " so sorry but we don't do anything with banking ''. No kidding! I knew that BoA was just trying to get me off the phone. This is completely unethical and honestly super disappointing. BoA pulled our credit, was quick to charge their {$75.00} fee ( the next day - didn't even have my cards ) and now they are saying there's nothing they can do. Where I messed up was I didn't print off the promotion from XXXX  's website when I was applying because I trusted the 2 BoA reps- I should know better as I've been in business a long time.
Consumer complaint received 2022-07-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (LA)

On XX/XX/2018, I was taken to the XXXX XXXX  Medical Center Hospital Emergency Room, via ambulance. I provided my valid Louisiana Driver 's license with my correct name and address, and I also provided my valid health insurance card with XXXX XXXX and XXXX XXXX of Louisiana. As of this writing, I have NEVER received an itemized statement evidencing charges by the independent contracting company for physicians ' services through the emergency room, despite many requests. Now, a credit agency has reported the debt to XXXX and greatly reduced my XXXX  Score causing damage to me. I am trying to obtain a home loan and the creditor is causing great damage to me. My husband has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and has about 4 months to live. The Creditor is causing a tremendous amount of stress to my husband and thereby shortening his life even more. The creditor has to date failed to provide an itemized statement and as such, as prejudiced me from controverting the charges. The creditor has to date failed to file a claim with my health insurer, thereby causing additional damages. Had the creditor adequately performed its duties and filed a claim with my health insurer IN 2018, I would have been able to pay the deductible at that time. Now, while I'm trying my best to survive on one income, with a sick husband, the Creditor files a negative credit report? It's absolutely terrible and disgusting.
Consumer complaint received 2018-08-21
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. (NM)

XXXX servicing company for XXXX is listed twice on credit report for same account and refuse to update it. They told me to talk to XXXX. I have filed complaints with credit bureau to no avail.
Consumer complaint received 2022-07-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received XXXX credit alerts on XX/XX/XXXX from XXXX XXXX XXXX and XXXX. Both indicated that they had received a new inquiry on my credit report. They fraudulently used my full name, address for application to Bank of America for XXXX XXXX XXXX. 

I have since contacted XXXX and Bank of America. I spoke to personnel at XXXX XXXX XXXX and XXXX, instituted a security freeze with XXXX. I also spoke to Bank of America personnel who indicated they would terminate the application. 

Your assistance with this issue is greatly appreciated. 

Regards, XXXX
Consumer complaint received 2019-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE (VA)

At first it started off with messages being left on my cell phone voicemail, that they were NEVER given permission to call, never left the Mini Miranda, the name of the company and when I tried to call the numbers back, the phone just rang. At first, I assumed it was a scam and ignored. After continued calls and threats left on voicemail, of which I have saved, I was given a number to call back, which I did. At that point, I left at least 2 messages notifying them this was my cell phone and not to call that number and that I  filed bankruptcy and all debt was included. I left the attorney 's information to contact. I also asked for a letter to be mailed regarding the debt as I have never received any notification of the debt. I received nothing that I requested to comply with FDCPA and provide notification of the debt being collected on. This also did not stop the calls. XXXX XXXX continued to call and leave voicemails. Today he called again and I was near my phone and answered the call. He proceeded to tell me that " they '' ( he still did not provide name of agency ) were going to file garnishment against my pay. He also then made the comment that I am filing bankruptcy every 7 years, just spending money and then filing bankruptcy, which is harassment under FDCPA. On NO message left was the Mini Miranda and each contact was a collection effort. When I told him today the credit card was in my bankruptcy, he stated that it didn't matter, that the client had requested to file garnishment against me. I advised he needed to contact my attorney and he stated he knew who I was and would just proceed with his client 's request. He stated that Barclay was not included in my bankruptcy. This was the FIRST time I was notified of who the creditor was. I told him that I knew it was included and he needed to contact attorney. He would not take the attorney information. Instead, he continued to threaten me with garnishment. I told him, if he file anything against me, I would file suit, and he hung up in my face. I will be contacting an attorney to file suit for harassment and several other FDCPA violations. This credit card ( Barclays ' ) was included in my Chapter XXXX bankruptcy and is not owed by me.