davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (TX)

I paid this {$110.00} debt on XX/XX/XXXX to XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) for a bill I owed for XX/XX/XXXX. However upon checking my credit report I noticed that Debt Recovery Services has listed a derogatory debt for the same amount from this above creditor. I spoke with DRS and they stated that they just trying to collect the debt, they don't have anything to do with the other company. I have never received any communication from DRS in regards to this debt.
Consumer complaint received 2019-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MT)

On or about XX/XX/2019 I sent Midland Credit Management a certified letter requesting a validation of debt and as of todays date they haven't provided me any validation response. On or about XX/XX/2019 I sent Midland Credit Management a certified letter ( 2nd time ) requesting a validation of debt and as of todays date they haven't provided me any validation response. 

On or about XX/XX/2019 I received a letter from Midland Credit Management stating we are unable to locate an account but are still negatively reporting to XXXX, XXXX, & XXXX collection accounts. Midland Credit Management hasnt provided me any validation response after 2 months of original request.
Consumer complaint received 2019-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (FL)

XXXX XXXX XXXX delivered bottle water to our home on XXXX in XXXX we then notified we would spend the winter months in XXXX XXXX so they transferred our account NO problem. We then relocated and notified them that we returned back to XXXX but this time they did not transfer they opened another account and left old address open. The driver went to old address called us and we had to re-iterate that we had already called and were back at our old address. XXXX XXXX. Onto used to Bill,  call, etc.. finally just wanting them to stop with the bill they were adding there own charges I paid them all there charges thinking totally done they would go away they cashed check on XX/XX/XXXX but then started getting calls from collection bureau of America at XXXX XXXX XXXX, XXXX XXXX CA XXXX account number XXXX. 3 times they told me they would contact this water company I supplied my cashed check with complain. This credit company is saying that the day the water company cashed in on my money is the same day it was sent to them now I owe them.
Consumer complaint received 2018-06-27
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. (TX)

I had a collection with XXXX XXXX which was paid they agreed to remove it from all three bureau, and it was removed but on XX/XX/2018 it was placed back on my credit file with Equifax, dropping my score 88 point, saying it was reported corrected by XXXX XXXX, ( per XXXX XXXX ) which XXXX collections stating that they have not reporting anything on me to no bureau concerning this account because this account is closed and no longer been collected on.. Equifax is reporting inacurute information on consumer credit report and not willing to fix the problem with your score plunged with a significant amount of points been lost on your credit
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

Complaint against Home Depot Credit Services XXXX XXXX XXXX XXXX AZ XXXX Re : Deceptive practices with account XXXX XXXX XXXX XXXX and unjust {$27.00} in fees and " minimal interest '' I recently was offered to open a Home Depot credit card, which was suggested to me by the store associate on location, which she described as " no interest '' for 6 months card. I agreed to open. I finally received my credit card opened by Home Depot associate on location at the store on XXXX XXXX, XXXX IL ; and discovered that I was misled on terms of this agreement and unfairly billed later fees {$25.00} plus additional {$2.00} charge. in the total amount of {$27.00} When I planned to make a purchase of some flowers at Home Depot, their Associate told me that if I open a card it will be interest-free for 6 months. However, she failed to inform that this purchased must be over {$290.00}, I later learned learned from the card. My purchase of flowers was much less ; and the associate knew it when she told me that it will be interest-free for 6 months. I relied on her words. The Associate took my personal information and placed on the system, but she forgot to put my unit number in the application. As the result, the actual card was never mailed to me. I went to Home Depot on XXXX XXXX and informed customer service that I did not received my card. They called to the credit card service line where I spoke with a representative who informed me that the card was returned back to them due to incorrect mailing address. She promised to re-send me the card. Yesterday I received the card which has {$27.00} in fees, but the interest on first page stated {$0.00}. The second page stated that I was charged {$25.00} in late fees ( which was caused not by me but by Home Depot untimely mailing me the statement ) ; plus {$2.00} in minimum interest charged. Overall interest again stated {$0.00}. I consider Home Depot practices as unfair and deceptive from the beginning and requested to close this account. I dont know that this minimum interest means ; and how much in hidden fees and charges Home Depot will bill me in future, so I decided to stop this deceptive practice at the beginning and not continue my business with their credit card services. I mailed them my payment {$69.00}, whihc covers the entire balance in full ; and demanded to remove unlawful and unfair {$27.00} fees and minimum interest I am submitting this Complaint with Consumer Financial Protection Bureau and demand investigation into this matter to protect other customers from Home Depot deceptive credit card services. Sincerely, XXXX XXXX
Consumer complaint received 2019-10-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

Equifax reporting incorrect information. Stated they recieved from third party. When I contacted the third party they had no information. When I contacted Equifax they said dispute has been resolved. When I contacted your company to investigate further .. now Equifax has no record of who I am, I have a letter from them. This is clearly. Several violations, and lies.
Consumer complaint received 2019-10-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAVALRY INVESTMENTS, LLC (FL)

The company XXXX XXXX XXXX XXXX has sent me a notice of wage garnishment to my parents address not mine. 
I have checked my credit report and I do NOT see this creditor listed as part of my debt. I do not know what this is in regards to. 
The complaint is under my maiden name, I got married at the end of XXXX and apparently this was originally filed in XXXX or XXXX which even at this point the debt was too old to collect on. 
I have had similar situations that have been scams, collectors trying to collect on a debt that is non existent.
Consumer complaint received 2019-10-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (KY)

Onemain Financial XXXX XXXX had provided us with a XXXX loan a year or more ago, we've been paying that off at XXXX/month, they called us and asked if we'd like more money, we set up a time and came in and they said they could pay off our car and loan and roll everything into a giant XXXX loan at XXXX/month. Since we were getting ready to sell our house we expected to pay it off within 60 days. Went down to the office on XX/XX/14 and tried to pay it off, thats when they informed me we still had the orig XXXX loan AND the XXXX loan, even though we only got XXXX cash out of the big loan. Thats a total of over XXXX and XXXX per month. NOT WHAT WE AGREED ON and the loan signing was all on computer and it didn't make it clear we were getting a SEPARATE loan on TOP of our orig loan. Not once did they tell us that, make it clear, or check if we can actually afford a nearly XXXX dollar payment. I feel this is wrong and deceptive, we are currently shocked, upset and deeply hurt by this fraud. We are now on the hook for XXXX we rightfully thought was rolled into the new jumbo loan. 

Onemain Financial XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ky XXXX
Consumer complaint received 2022-12-02
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  account number XXXXXXXX XXXX XXXXXXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX XXXX account number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2019-10-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

After recently placing my father into full time nursing care, I came across a CD deposited in The XXXX  XXXX XXXX XXXX from when my sister and I were minors in the amount of {$26.00}, 700. My father and his brother ( my uncle ) were custodians on the account. My sister and I were never told about this account. The CD matured on XX/XX/1992. I presented the CD for payment in the successor bank, Citizens Bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX , a manager there was less than helpful and refused to discuss the account with me even though the account is clearly in my name. Citizens corporate reached out after I filed a complaint to the FDIC. XXXX, from the Office of the Chairman, has acted in what can only be described a a deceitful manner. She is claiming she is not receiving emails from me, and is unable to leave voice mails on my cell phones. I am a XXXX XXXX XXXX XXXX with 32 years of service. I rely on email and voice mail daily and I can assure you XXXX 's claims are preposterous. Citizens Bank corporate, specifically Office of the Chairman is impossible to reach by phone. I am encountering impossibly long wait times, routing and re-routing through jungles of robo-prompts and mysterious random disconnections.
Consumer complaint received 2018-06-27
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 disputed XXXX XXXX XXXX account numbers XXXX and XXXX many times and Equifax continues to report negative information to my credit report. The account reports inaccurate and incomplete information. I disputed the balance they verified it but Changed the amount how is that possible? Went from XXXX to XXXX. The payment dates and late pays do not match between all three credit bureaus. Equifax is missing ontime payment info on account number XXXX for XX/XX/XXXX and XX/XX/XXXX payments were reported on XXXX and XXXX. And on account number XXXX missing on time payments for XX/XX/XXXX. Also on Equifax the dates XX/XX/XXXX and XX/XX/XXXX of are listed at XXXX and 180 days late but XXXX has them listed as 120 days late. on account number XXXX Equifax has dates XX/XX/XXXX and XX/XX/XXXX listed XXXX and 180 days late but XXXX has them at 120 days late. Inaccurate information is listed for these two accounts. They refuse to investigate independently from the consumer electronic response with no proof actually being verified. I asked to have all past investigation findings, method of investigation, who verified it and their contact information mail to me as proof of investigation and they refuse to do so. Its been past the 15 days allowed to respond. Pure negligence. The original charge off balance is XXXX and the balance now is XXXX but there is no payment listed after the charge off date of XX/XX/XXXX. So when and how was XXXX dollars paid on a charged off account and if so why is it not listed as a payment? Proof of no real investigation and negligence. Proof and documents are listed in the attached files. Also there are scheduled payment listed on both acccount XXXX of XXXX and the other XXXX they are both charged off the balance should be XXXX.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MI)

I ha d two   Discover cre dit cards  XXXX  and  XXXX . About 15 years ago they started charging me for items that I did not buy. I would call them they would clime it was a computer error. The charges were taken off the  one c ard ONLY to be placed on the other card! I would call them now it was hackers. The charges were finely taken off BUT not the over draft and late fees and the charges rate went up! I quite use both cards.   Next the started transferring money fro m one card t o the other, charging me transfer fees, late fees, over draft fees ...! When I complain about this they would tell me pay or we take you to court.   In additi on Discove  r rep orted late payments, over drafts and others to the credit reporting agencies racking my credit causing me to have to pay more  in Insura  nces.
Consumer complaint received 2019-05-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

I have been trying to do a loan modification on my mortgage and carrington mortgage services llc has not been helpful at all they deny me for missing paperwork and they already have it several times they asked for same document denied my application then told me the next time they have that same paperwork that they said they did not have.The most recent denial was for the reason of me not living in the house under fha guidlines even though they knew that there is water damage to property .There is an open insurance claim that there lost draft department is hounding me for the check yet there loan modification dept uses that against me this has been going on for at least 5 years now the reasons for there denial are unjust they use a little bit of the information they have access to against me and never the information that would clear any issues in my favor.They also change how they can communicate with me to there advantage all the time, one week they can email me the next they are not allowed to email me and the same person will tell you that they never were allowed to contact you through email because of company policy even though there is evidence of emails going back and forth for weeks, then all of a sudden you can email the rep again.They also put house on marshall foreclosure sale list without informing me and said that they did not have to inform me of a sale .They turned my last load modification down on a monday afternoon then tried a marshall sale the following morning.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

Approximately XX/XX/XXXX, I contacted and logged a dispute with Equifax Credit Bureau about an address appearing on Credit report, that was not my bonifide address of residence or for receiving Mail or Bills in XXXX, Pa, and requested it be removed. 
I was notified by e-mail after a period of time, and confirmed with an agent of Equifax, that the dispute was " resolved ''. When I queried the agent that this address was removed from my report, the answer was " Yes '' On XX/XX/XXXX, The invalid address still appears. When talking to Equifax to find out why, the are very difficult and when they have all the pertinent information about SS as identification of the account insist on other obscure, not readily accessible information from computer before going forward to addressing the failures a year ago. 
They are not cordial when asking for supervisors or have them get on the phone at the time of need. 
They are asleep when our Credit information is hacked, but when a Consumer needs to have a simple issue resolved, its an inquisition.
Consumer complaint received 2019-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was looking at my credit report today XX/XX/19 because I was denied from getting a credit card at my bank and I noticed that there are several inquiries on my credit report that do not belong to me and need to be removed. I have no idea who made these inquiries in my name or how they got a hold of my personal information but I have never allowed anyone to make these inquiries in my name. I did not benefit anything from this and I have already filed a police report regarding this suspicious activity on my credit report.
Consumer complaint received 2022-06-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1 FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
13 FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2019-10-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (AL)

DISPUTE # 1 Rent Debt of {$500.00} attempted to be collected twice. One account of {$500.00} on my credit ( XXXX XXXX ) and on my fiancs credit ( XXXX XXXX ) statement received 1 )  does NOT have my name on it and 2 ) Reflects ONLY {$500.00} owed TOTAL. I am disputing that 1 ) I do not owe {$500.00} bc my name is not on the move-out statement that documents the {$500.00} and 2 ) I am disputing that we should have been charged a combined {$1000.00} from this company when the document provided to each of us only details a total of {$500.00}. 
**The paperwork from this Rent Debt was sent/mailed to the apartment that we owed debt on in XXXX XXXX name. How does that make since? How could I have received the paper work to dispute this when it was clearly sent to a address We/he didnt live at. Yet the same paperwork he received was mailed to a different address a very old address for me, the address belonging to the person in dispute # 2. Where this company is trying to charge us each the {$500.00} when the paperwork doesnt reflect that. 

DISPUTE # 2 Rent Debt of {$1200.00} attempted to be collected from myself ( XXXX XXXX ) with the name of XXXX XXXX on the move-out statement. My name was taken OFF the lease of this apartment in late XXXX of XXXX. Not only was my name taken off the lease the apartment manager agreed that she remembered doing my roommate release and the name of the person added in my place was XXXX XXXX. I am disputing this balance because I was not involved and my name isnt on the document. The paperwork for this debt was even sent to XXXX XXXX home yet the debt was put on me, someone who wasnt even on the lease during move out? ( Even then why wasnt the debt put on both applicants like what was attempted on dispute # 1 and on this debt I am not even involved in all debt was put on my credit? ) [ Also night I add that If I had owed the XXXX some dollars why would the manager of the complex in dispute # XXXX have rented to me again, they are both run/managed by the same person/company. Paperwork has been very messed up somewhere and if not cleared I will be getting a lawyer, not to settle but to further dispute ] I was listed only on this lease as a co-applicant because management told me I didnt meet the income requirements. ( still took my name off the lease before move out ) I do not give this company permission to contact me by phone. 
Last attempt to settle this without a lawyer** XX/XX/XXXX
Consumer complaint received 2018-05-25
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. (TX)

CRA violation no knowledge fraudulent account with XXXX XXXX XXXX, address, name, telephone and inquiries that I did not authorized appeared on my Transunion credit report.
Consumer complaint received 2019-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

Back in XX/XX/2019 there was an account open with my name. I did not authorized to have this account open by me personally. It wasnt up until several months later that i was getting notifications that i owed money to this account. The amount right now is XXXX.d I tried contacting with the credit card company to resolve this issue because it was affecting my credit score in a negative way. The credit card company told me that there was nothing fraudulent about the account and that it was going to stay in my credit report which i thought was not the right thing to do.