davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

On XX/XX/2019 I received a bill from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Ohio XXXX. The bill was for an emergency department visit and XXXX at the XXXX Hospital by XXXX XXXX XXXX, MD. It stated that my son received the services XX/XX/2019. My son does not reside in the United States. I researched XXXX XXXX and found them to be a scam. I ignored the bill. They sent another bill a month later but then stopped sending them. 

On XX/XX/2019 I received a bill from Healthcare Revenue Recovery Group ( HHRG ) XXXX XXXX XXXX XXXX, Florida XXXX. This bill shows the same service and cost as the one from XXXX XXXX. Interestingly enough, the payment would be mailed to the same address as XXXX XXXX : XXXX XXXX XXXX XXXX, Ohio XXXX. I researched HHRG and also found them to be accused of scams. I ignored the bill. 

I received another bill from HHRG on XX/XX/2019. At this point I started researching what to do about this problem. Then, on XX/XX/2019, I received a call from HHRG. The call registered as a local number on my caller ID. The representative did not identify themselves or the company until after I insisted. Then the person attempted to obtain personal information regarding my son and myself. I refused to provide information and told the person that I researched their company on the internet and with the XXXX and that this was a scam. I went on to say that the individual stated in the bill receiving services was not even in the United States and that the physician providing the said service did not work for or with the hospital that supposedly provided the service. Then, I went on to tell them to stop sending me bills and calling. The person then disconnected the call.
Consumer complaint received 2020-12-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

In XX/XX/XXXX I received a letter from a debt collector Portfolio Recovery Associates stating I owed {$300.00}. I immediately called them to find out why. It was a credit card from XXXX XXXX. I stated I never got a bill and we both looked at the documentation and they were billing a incorrect address. I never once received even the first statement. They had the wrong town of XXXX XXXX CT listed. This address doesnt even exist so all these statements must have been sent back to XXXX XXXX. I asked what the balance was of what I actually purchased and paid it on XX/XX/XXXX on line with the rep. I paid {$130.00}. I asked them to close out the issue as closed but they want all of the rest of the fee amount of {$200.00}. Now this is appearing on all 3 credit reports. I feel that this is irresponsible when even they agree that XXXX XXXX never got the address right or even tried to fix it when portfolio recovery seemed to have no problem at all getting my address correct. This is unfair billing practice. Please close this issue out and remove it from the XXXX credit reports. I have attached a letter that portfolio recovery sent to me from they got from XXXX XXXX XXXX XXXXXXXX credit card company with the invalid address.
Consumer complaint received 2020-12-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

On XX/XX/2020, I attempted to refinance my existing mortgage and loan with PennyMac USA. They have been terrible lenders and from day one are not consistent with the information they provide and for over the past 8-months have continued to give me the run-around in spite of all the documentation I have provided.

Today, after 8-months they declined my loan without justification and the worst part is they're not willing to even provide me with a courtesy call or an explanation as to why it was declined since in mid XXXX my loan representative XXXX XXXX forwarded me an email that my loan was approved pending copies copies of my most current payroll check and a copy of a bill for verification of address. I provided the information without a doubt. The response they listed on the decline notice simply states " nonowner occupied '' which is untrue. Now, they removed me from their system and I can't get through over the phone to anyone, Also, they collected 2-costly appraisal fees from me totaling close to {$1000.00} which I'm out of pocket for. My property has a value of 50 % loan to value. PENNYMAC has unethical practices and should be looked at for their lack of customer services especially when I've had my loan with them for over 4 years and I have exceptional credit.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

HELLO.My name is XXXX XXXX ... Due to pandamic covid 19.Bank of america defferal program from XX/XX/2020 till XX/XX/XXXXXXXX XXXX..I wasn't making payments because I have been told by Bank of America that I will be good till XX/XX/XXXXXXXX XXXX.They closed my account without notifying me In XXXX XXXX also send negative report to credit Bureau. that I wasn't MAKING WHICH IN NOT RIGHT.They can't make false information because I have all the proof that I was on the deferral payment plan authorized my Bank of America.I started making regular payments after XX/XX/XXXX which i have been told by them.My account is still closed and missed payments shows on my credit report.I 'm going to send you the payments i made and email sent by Bank of America about deferAL PROGRAMM.I would like my account to be open and take negative report from credit buereu.Thanks
Consumer complaint received 2016-10-24
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ORG GC GP BUYER, LLC (MO)

GC Services has continually contacted me at place of employment after numerous times of telling them not to call me at work yet they continue to do so and are very rude and disrespectful on the phone.
Consumer complaint received 2019-10-10
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: EQUIFAX, INC. (GA)

I am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-10-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

Citibank/Sears card had about {$8000.00}. in fraudulent charges. Citi/Sears has yet to update XXXX that the fraudulent charges were removed from the account balance due.
Consumer complaint received 2020-12-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp. (MN)

true accord fraudulently open a credit card account in my name, set up online banking to true accord, and utilized the card without my knowledge until i tried to refinance my house and i received a email from XXXX @ support true accord, stating the balance, and they was no longer collecting the balance on the account and that they forward the account back to XXXX XXXX, which i never applied and used the card at all..but i was informed from my credit report about this debt.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (NC)

I want 2 things.

# 1. That my account be reported as paid off and in good standing which it is now # 2. That the delinquency notice be removed from my credit report THIS IS BECAUSE OF THE FOLLOWING BSI over billed my account over {$1000.00} & then reported my account as delinquent BSI mistakenly billed me for {$1500.00} payoff agreement with a deadline of XX/XX/XXXX and then an updated payoff agreement for {$1500.00} in a payoff agreement with a deadline of XX/XX/XXXX. However, I was being billed for over {$1000.00} over and above what I should have been billed for in a payoff agreement. 

I was certain the amount I was being billed was incorrect. So finally after a month of six different phone calls to customer service, BSI admitted its mistake and I was issued a payoff agreement for {$540.00} with a deadline of XX/XX/XXXX. On XX/XX/XXXX I wired this amount to Bank : XXXX XXXX XXXX  Beneficiary : BSI Payment in Process Clearing Account and my account is now paid in full. 

However, for some reason a delinquent account notice was triggered on XX/XX/XXXX and is now being reported to credit agencies. Since this was a clear mistake on the part of BSI, BSI needs to change the delinquency notice and remove it from the credit reports.
Consumer complaint received 2023-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

Carrington mortgage refused to accept my payment stating account number error despite my bank never returning a payment. Them refusing to accept my payment through no fault of my own caused my account to become 30 days past due. Although I attempted on several occasions to make my payment. I submitted to them a voided check and letter from my bank proving my account number was valid and they accepted my payment after speaking with agents on the phone but they are still trying to say I was 30 days past due on my credit report. How can I be penalized when I attempted to make my payment but they refused. And I proved my account number was correct. I attempted to rectify with them but they claim its not their fault and they intend to maintain that I was 30 days past due
Consumer complaint received 2020-12-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PulteGroup, Inc. (TN)

I applied for a VA mortgage loan as a single applicant with Pulte Mortgage back in XX/XX/2020. My loan number is XXXX. I currently live with a living partner of many years. Although I received a conditional preapproval, the current process has reached a stalemate. At the moment, Pulte Mortgage wants to pull credit and assess debt of my living partner into my debt to income ratio. Essentially, they want to force my mortgage application to be a joint application instead of a single application. I do not want my living partner included in my loan nor her debts added into my loan process since we are not married officially. I feel Pulte Mortgage is to coerce me into something that is not legally warranted or obliged. This practice may violate their ethical business practice. Additionally, I feel discriminated against my marital status. Please investigate further. Thank you.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MI)

In XXXX of 2018, I was promoted a 0 % interest for 2 years on an item at Best Buy, using the Citi Bank My Best Buy credit card. I was immediately approved and made on time payments for two years. XX/XX/XXXX, I opened my account to make a payment, and noticed XXXX dollars interest had been applied. The promotion on my TV ran out, and it was deferred interest ( which was never vocalized to me ). When I called to ask about how to rectify the situation, I was told that I could pay off the XXXX dollars still owed. When I asked how this happened, the employee told me that my on time payments were applied to other purchases, and not the promotional item. They chose to allocate my payments to other purchases. Despite explaining that this is not allowed, the employee refused to let me enter a hardship program, until I said that legally, I was interested in pursuing another avenue. Once I was transferred to the hardship program department, they told me that the employee was misinformed and that I could enter the program. My account is currently closed, but I am still paying the interest that was accrued even though it was falsely advertised to me as not having interest.
Consumer complaint received 2022-05-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC (CT)

XXXX, I unfortunately am not pleased with the response of Jefferson Capital Systems , LLC. regarding my request for debt validation under 15 USC 1692g. I requested this information XX/XX/22 and they received the request XX/XX/22 through certified mail. They promptly responded XX/XX/22 with false and deceptive information. This false and deceptive information was they sent a deceptive form of a statement from XXXX XXXX to XXXX XXXX XXXX  XXXX basically as their " verification '' that I allegedly owed Jefferson Capital Systems , LLC. for this alleged debt of {$530.00}. They also went on to say that since this deceptive form " verified '' not validated the alleged debt, they will continue to furnish this information to my consumer reports as long as the law permitted. They also said basically they would sue me for the debt, but since it was outside of the statue of limitations to sue, they cant. This I found to be abusive language as they tried to assert a power they never had. To also continue to willingly provide FALSE and INVALIDATED information to my consumer reports is abusive and misleading and also a defamation to my character as a consumer. The way that Jefferson Capital Systems , LLC. treated me and my requests willingly and knowingly was unlawful and violating to me under 15 USC 1692d, using obscene and profane language which abused me as the reader stating false information of alleged debt collection as well as implicating they would have the right to sue me if it wasn't for the statue of limitations to sue someone on a debt. 15 USC 1692e, providing misleading and false representation of the alleged debt and the legal transfer of the alleged debt from XXXX XXXX to Jefferson Capital Systems, LLC., using deceptive means to attempt to collect the alleged debt from me, also the false implication that Jefferson Capital Systems could've sued me for the alleged debt implicating I committed a crime, 15 USC 1692f, by attempting to collect the alleged debt in its entirety without any authorization or agreement which created the alleged debt. 15 USC 1692g as not providing any validation of the alleged debt which I asked for in writing. 15 USC 1692j, as they furnished to me a deceptive form of a statement from XXXX XXXX to XXXX XXXXXXXX XXXX XXXX to create a false belief that the alleged debt was validated for Jefferson Capital Systems , LLC. to collect this alleged debt from me. Pursuant to 15 USC 1692k, I am demanding civil liability for these knowingly enacted violations of the law against me from Jefferson Capital Systems , LLC. which they " respectfully declined '' to acknowledge or accept as a result of their unlawful practices against me as the consumer. I would like it to go on the record that due to the unlawful acts committed by Jefferson Capital Systems , LLC. they have hindered my progress in life to be able to leverage my credit as a result of their furnishing of false information to my consumer reports.
Consumer complaint received 2022-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

I called the collection company Debt recovery solutions and told them it not me never been on that XXXX also dispute a couple of times and nothing. 
Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-14
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. (CA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX Account XXXX : XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it immediately. 
XXXX there is some inaccurate information reporting. 
XXXX, XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-11-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have a personal certificate of deposit with Bank of America which I opened as a security for a business cash rewards credit card. I closed this credit card over the phone about 3 weeks back, and requested to remove hold on the CD, and send me the funds by check. The card was closed, but the hold was not removed from the CD. Here, I must mention that the business credit card had a corporate account linked to it ( any Bank of America business card has one I believe, and you can only make payments to the corporate account ) and that has XXXX balance since I paid it off before requesting closure. For some reason, the card itself shows {$3.00} balance. ( I've had this happen before, even after paying off the corporate account, the card balance doesn't always reflect it properly ) Anyway, it's clear the card is closed and there's no balance due on the account. Yet Bank of America is not releasing the CD. I called back on XXXX, and again requested to remove the hold, and I was expressly told it would be done in 48 hours. I called again today, and there is still a hold on the CD. I guess I don't know how to get you to close the CD at this point. Whenever I call you, I have to spend close to an hour on the phone even as the representatives have to transfer me from the CD department to the business card department and back. Could you please remove hold on the CD, close it and send me the funds? That is my sincere request, though I have zero idea about why I have to put in so many requests to access my own money. I have to mention here a similar experience I had when I was opening the CD. After I applied online, the application was never acted upon until about a month later, when I filed a complaint with the CFPB, whence it was opened in 2 days. It still led to an additional hard pull on my credit to open the business card after that since a month had passed since I applied, the delay caused only because you didn't act on my CD application. It seems like going forward, if I have any requests with Bank of America, I should never contact you at all, but directly file a CFPB complaint as that is the only way to get results.
Consumer complaint received 2019-04-24
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: TD BANK US HOLDING COMPANY (NY)

I found that in have a few credit inquiries on my credit report which I did not authorize. I called the companies to remove them but no one ever got back to me. 

XXXX 1. XXXX -Inquiry XX/XX/XXXX 2. XXXX XXXX - Inquiry XX/XX/XXXX XXXX 1.XXXX XXXX XXXX - XX/XX/XXXX 2.XXXX - XX/XX/XXXX 3.XXXX - XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.TD Retail Card Service   XX/XX/XXXX