davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (TX)

I am being charged for {$380.00} from a collection agency for a debt allegedly owed to XXXX XXXX XXXX XXXX. I switched over to XXXX XXXX XXXX from XXXX but during my trial period decided to go back to XXXX, I returned all phones directly back to the XXXX XXXX XXXX store and was refunded the fees I paid for all 3 phones. A few months later XXXX XXXX XXXX was harassing me saying I owed over 3K, so after calling in and getting no resolve. I went back to the original store returned the phones and spoke to the rep ( XXXX ) who returned my phones. she called XXXX XXXX XXXX and said the issue had been resolved. She advised me to keep my receipt showing I returned all the phones and the money was refunded and not further money was owed and the account was fully closed. and now I am being harassed by XXXX XXXX XXXX for {$380.00} they claim I still owe XXXX XXXX XXXX  {$380.00}, this bill is fraudulent and I need it removed from my credit asap. Thank you
Consumer complaint received 2017-05-28
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. (PA)

Experian has not updated all of my accounts to show correct information.  XXXX   XXXX  has a balance of {$290.00} and has since been paid before due date of  XXXX / XXXX /  XXXX   and reports on the  XXXX  of each month. I have a   XXXX   balance on the account and by reporting the high balance, this is hurting my credit utilization.  XXXX   XXXX  confirmed my statement and that they have already reported this information to the credit bureaus. Why has this not been updated on my credit file.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (TN)

XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX COMP XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX  FINANCIAL I have hard inquiries listed here on my credit report that I am unaware of that should be removed from my credit report it is effecting my score negatively. 

XX/XX/XXXX XXXX XXXX XXXXI XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AN XXXX XXXX # XXXX XX/XX/XXXX AN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2018-06-19
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. (PA)

spoken with XXXX, transunion, and XXXX on numerous occasions about my credit score dropping. my credit score was at XXXX then dropped to XXXX, and again on XX/XX/2018 to XXXX now as i stated before i pay for a service to monitor my credit score and or file but to have inconsistencies regarding my score dropping is unreal based upon me paying all my bills on time without delay and decreasing the overall debt ratio of my credit file.in addition i believe that they meaning reporting agencies are deliberately defarud me of my right as an consumer, by not reporting correctly however charging fees for inconsistent reports. i would like to be able to sue in federal court based upon deliberately reporting false information on my credit file and report to others.
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NJ)

e : Public Record on Credit Report Docket # : XXXX Plaintiff : XXXX Balance : {$270000.00} Dear Experian, I am writing to dispute the validity of the above referenced item pursuant to the Fair Credit Reporting Act ( FCRA ). The FCRA requires you to verify the validity of the item within 30 days. If you can not verify the validity of this item within 30 days, the law says you are obligated by law to remove the item. 

If you are able to verify this judgment, let me know whomever provided you with this information and the manner in which it was provided so that I can get to the bottom of this. Hiring a third party to verify this judgment is against the law. Also, do not look up this public record in the XXXX XXXX database or through the Public Access to Court Electronic Records ( PACER ) database. Or by a third party. Verify directly with the court.
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

Ocwen issued a Notice of Default, through XXXX XXXX XXXX XXXX, without granting the " In Person Meet and Confer '' provided by the WA State Foreclosure Fairness Act. I have made XXXX formal requests for the meeting.
Consumer complaint received 2020-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (TX)

Today XX/XX/2020 I received a US BANK Relia card in the mail. I did not apply for any such card and my identity was stolen a couple years ago so I know this is fraud. I tried to call company number but I could not speak to anyone without the automation trying to get me to activate card. I just want to be sure card and account is marked fraud and closed. Please help me. 
XXXX XXXX
Consumer complaint received 2020-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I've received a call from number XXXX XXXX XXXX XXXX on Friday XX/XX/2020 by a woman who did not want to name her company but told me my full name and the last four digits of my social security number. I hung up the phone and the next day XX/XX/2020 I get a credit score notification that I owe {$1900.00} by a collection agency portfolio rc by a XXXXXXXX XXXX opened XX/XX/2020. No knowledge of any of this and I do not believe this is mine.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

US DEPT OF EDU XXXX & XXXX Unpaid student loan collections. Please request XXXX at ( XXXX ) XXXX they correct the reporting on these accounts as these accounts should not report delinquent as student loans are covered under the COVID RELIEF ACT until XX/XX/2023.
Consumer complaint received 2020-11-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (OH)

I had credit card debt with XXXX XXXX. Both XXXX XXXX and Midland Credit Management were sending me bills at the same time for months. I contacted Midland Credit Management upon receiving notification that they were sending my account to attorney review for a lawsuit. I requested a validation letter. I never received the letter, but received a final notice on the attorney review for lawsuit a few months later. I again contacted the company. They stated they sent the letter XX/XX/20. When I told them I hadn't received it, they told me that they were unable to send another, as it had not been returned to them. The only way to receive another was to dispute my debt with them. I did that. Two days later, they began to call me again. I told them that I had disputed my debt and asked them to stop contacting me until I had received my letter. I still have not received it, and they continually call my phone, sometimes several times a day. It is frustrating in my personal time and worse when I am at work.
Consumer complaint received 2020-11-10
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. (TX)

I have reviewed A copy of my consumer reports with XXXX, XXXX and Equifax and have noticed an account from XXXX has reported as charged off and reported A balance. Back in XXXX I had A XXXX television and sound tower financed threw XXXX XXXX and with the purchase I had insurance with covered the items I leased in the event they where stolen.. On XX/XX/XXXX my home was broken into and the items I leased from the above company was stolen. As A result I filed A police report and informed them immediately that I no longer had the items. I was informed I would have to provide A police report to have the account paid by the insurance and closed out as paid in full. I first submitted the report the incident report on XX/XX/XXXX and was contacted later and informed they could not use the incident report and needed the actual police report. I then reached out and informed them the police had informed me I would have to wait on the report via mail and after I received it I would send those documents. On XX/XX/XXXX In sent the police report via mail and called to advise it was on the way. On XX/XX/XXXX I called again and was informed they had not received the report. This time I went into the local XXXX XXXX XXXX in which XXXX XXXX is located and provided them A hard coppy of the report and was informed it was be uploaded to my file. 3 Years later I am reviewing my report and notice the account has never been updated as paid in full and instead is listed as A charge off. This is illegal and A violation to FCRA to report inaccurate information. then reached out to XXXX XXXX On tuesday XX/XX/XXXX via phone explained this situation and he informed me to email him A copy of the report and he would foward it to the correct person. He informed me I would hear something back within 48 business hours and I have not recieved any sort of update A week later. Ib ahev subnmitted A dispute with the consumer reporting agencies ith this information coming back as verified although it is truly an account that should not be on my credit report. I have attached the copy of the police report below along with the communication I have had with XXXX at XXXX XXXX.
Consumer complaint received 2020-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a letter from Bank of America dated XXXX XX/XX/2020 stating that as a result of a recent review, my credit limit on the card in question was reduced to {$500.00}, with a cash advance limit of {$250.00}. This is a drop in credit limit from {$20000.00} to {$500.00}, which significantly impacts my overall credit score. 

Bank of America 's reason for doing this was because I failed to pay off a balance of approximately {$2.00} over a two month period. I was not aware that Bank of America charged some sort of fee following the payoff of their card earlier in the year. I was charged {$30.00} for not paying the {$2.00}. Upon receiving the letter mentioned above, I immediately paid the card off in full. 

I pay my bills electronically, however I depend on monthly mailed statements from my debtors to prompt me to do so. Bank of America went paperless on my account in XX/XX/2020 without informing me. I did not authorize this. Bank of America immediately changed my account back to paper billing, so I know this was their error and not simply a matter of policy. My email 's spam filter sends Bank of America emails to my spam folder, so I was not aware I still had a {$2.00} balance. Had I been receiving paper statements I would have known and paid the bill. The person at Bank of America that I spoke to by phone said they do not know why the paperless billing was started and that there was no request from me in their records to begin this practice. 

I requested from Bank of America that they restore my account to the previous limits in order to restore the damage they did to my credit score. They refused unless I made a formal request for consideration, which they still could refuse. I was advised this action may further impact my credit score, so I am now filing this complaint. 

It is my belief that Bank of America is taking discrimanatory action against me because I do not use this credit card account regularly. I had an XXXX+ credit score prior to this and I feel that Bank of America 's actions are much too harsh for someone who missed one payment for {$2.00}. I believe Bank of America reviewed my account and saw the infrequent use and is now taking actions to force me to close this card. I do not pay bills late, and prior to this had never made a late payment to Bank of America. I have had this credit card for approximately 15 years. 

Lastly, I received another bill from Bank of America this last billing cycle with a charge of {$1.00}. I called Bank of America to inquire about it, and they informed me that the fee was levied to my account in error, and immediately reversed it. This makes me think the {$2.00} charge was also levied in error and because I did not catch it, Bank of America charged me the {$30.00} and lowered my credit limit. I believe that Bank of America may do these actions purposely in order to levy further fines. 

I appreciate your consideration in this matter.
Consumer complaint received 2020-11-07
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 was alerted by a bank I am in the middle of securing a loan with that XXXX XXXX XXXX XXXX has marked a discharged account into a charge off status illegally. The accounts they reported with balances of {$15000.00} and {$450.00}. They flagged my Equifax and XXXX illegally and reported charge offs after being discharged in a chapter XXXX bankruptcy back in 2017. If all accounts are not removed I will be moving forward in a lawsuit to sue them for illegally reporting to the credit bureaus inaccurate information. They are no longer to even check my credit report by law and its being flagged by them. This has negatively affected my credit and my loan I was in the middle of obtaining. They refreshed the account which made my credit drop nearly 100 points. It is unlawful and very illegal and had caused my family and I great hardship during a pandemic.
Consumer complaint received 2016-11-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Concord Servicing Corporation (CA)

I have repeatedly requested that BLACKWELL RECOVERY provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2020-11-10
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. (TX)

I have reviewed A copy of my consumer reports with XXXX, Transunion and XXXX and have noticed an account from XXXX has reported as charged off and reported A balance. Back in XXXX I had A XXXX television and sound tower financed threw XXXX XXXX and with the purchase I had insurance with covered the items I leased in the event they where stolen.. On XX/XX/XXXX my home was broken into and the items I leased from the above company was stolen. As A result I filed A police report and informed them immediately that I no longer had the items. I was informed I would have to provide A police report to have the account paid by the insurance and closed out as paid in full. I first submitted the report the incident report on XX/XX/XXXX and was contacted later and informed they could not use the incident report and needed the actual police report. I then reached out and informed them the police had informed me I would have to wait on the report via mail and after I received it I would send those documents. On XX/XX/XXXX In sent the police report via mail and called to advise it was on the way. On XX/XX/XXXX I called again and was informed they had not received the report. This time I went into the local XXXX XXXX XXXX in which XXXX XXXX is located and provided them A hard coppy of the report and was informed it was be uploaded to my file. 3 Years later I am reviewing my report and notice the account has never been updated as paid in full and instead is listed as A charge off. This is illegal and A violation to FCRA to report inaccurate information. then reached out to XXXX XXXX On tuesday XX/XX/XXXX via phone explained this situation and he informed me to email him A copy of the report and he would foward it to the correct person. He informed me I would hear something back within 48 business hours and I have not recieved any sort of update A week later. Ib ahev subnmitted A dispute with the consumer reporting agencies ith this information coming back as verified although it is truly an account that should not be on my credit report. I have attached the copy of the police report below along with the communication I have had with XXXX at XXXX XXXX.
Consumer complaint received 2022-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (OH)

Discover bank has been harassing me via phone calls and mail regarding a debt I did not owe them. I do not have a signed consent with this company to use my name and social security and they have reported the debt to credit agencies. They have hired attorneys XXXX, XXXX XXXX XXXX XXXX, XXXX to sue me in a court of law for this debt in which I do not owe them. I requested they send proof of validity of debt and they were unable to provide me with a copy of any signed agreement to bank or use this company. This company is impersonating XXXX XXXX XXXX with Discover Card. I did not consent to this Discover Bank company to use my name and social security number and attempting to extradite me for a debt I do not owe them. Discover Bank has broken my consumer rights under the fair debt collection act. They have attempted to mislead me and have repeatedly attempted to collect a debt I do not owe.
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

On several occasions, I have disputed this information on my credit report to be corrected. I took out a loan on a car with XXXX XXXX in XXXX, this account was purchased by my credit union and the car was then paid off fully. In XXXX, I was approved for another loan with XXXX XXXX and the XXXX  was XXXX or so total owing when I called them to have them pick the XXXX  up because I could no longer pay for it. They never updated their records after picking it up and selling it at auction, instead, my account balance goes from XXXX to XXXX after I disputed the amount owing. This is fraudulent for this company to out of the blue add an additional balance onto a balance they were already supposed to correct due to the resale of the XXXX. The balance should have gone down from XXXX from what it sold for but never did instead just noticed today when checking my credit report that now it is XXXX. I would like to have this investigated because I know a creditor can not arbitrarily add such fees to a balance that was already supposed to be corrected after the sale of this truck at auction which is what I was informed of by them after they picked it up back in XXXX.
Consumer complaint received 2020-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CO)

My monthly interest should be around {$76.00} per month. My ENTIRE payment of XXXX is being applied towards interest only. My due date is not until XX/XX/2021. I am on auto debit and they have applied the last 2 payments of {$160.00} to only interest. I do not need a long drawn out reply from Nelnet explaining " simple interest ''. I want a straight and to the point answer. Spare me the XX/XX/XXXX and don't write endless paragraphs of nonsense.
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (LA)

On several occasions, I have disputed this information on my credit report to be corrected. I took out a loan on a car with Credit Acceptance in XXXX, this account was purchased by my credit union and the car was then paid off fully. In XXXX, I was approved for another loan with Credit Acceptance and the XXXX  was XXXX or so total owing when I called them to have them pick the XXXX  up because I could no longer pay for it. They never updated their records after picking it up and selling it at auction, instead, my account balance goes from XXXX to XXXX after I disputed the amount owing. This is fraudulent for this company to out of the blue add an additional balance onto a balance they were already supposed to correct due to the resale of the XXXX. The balance should have gone down from XXXX from what it sold for but never did instead just noticed today when checking my credit report that now it is XXXX. I would like to have this investigated because I know a creditor can not arbitrarily add such fees to a balance that was already supposed to be corrected after the sale of this truck at auction which is what I was informed of by them after they picked it up back in XXXX.
Consumer complaint received 2020-11-07
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. (FL)

I have two 3rd party credit report companies to monitor my credit. The company names that I am using are XXXX XXXX and XXXX XXXX. The only credit bureau that is not showing is XX/XX/XXXX I gave XX/XX/XXXX a call multiple times but I was given the run around. I was also hung up on because I was asking the question why I cant see there report. I went to there website and purchase all three reports and they where all not updated. Also show multiple inaccuracies. I canceled there service immediately.