davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Metro Collection Service Inc. (FL)

I had a XXXX XXXX XXXX medical bill that was opened in 2013, for which I had an agreement to pay XXXX once my car accident case resolved, my attorney didn't received the medical bill and they sold the bill account to metro collections, and after five years almost six, this metro company is harrasing me over the phone and letters, I filed a dispute in my credit report, still they keep increasing the old debt, I filed a complaint with fl office of financial regulations and they found that metro collections was harrasing me and didn't have a license in fl, now they referred me to you to investigate and stop this collection agency from continuing this unlawful behavior. 
The account is more than six years now and based in fl law is too old to be in my credit report. I need you to please stop these people abuse and remove them from my credit reports as soon as possible. Thank you for your assistance.
Consumer complaint received 2024-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

XXXX XXXX {$180.00}. I called and ask to verify was talk to very rude and gave the run around about the debt. No one could tell me any info
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (KY)

I have tried to communicate with Old navy credit card and I continuously receive the run around. I called and spoke with a rep last year regarding this account. I paid the account in full and asked that the account be closed at the time of that call. After reviewing my credit report and researching on my own when I paid the account in full and asked for it to be closed the rep should have notified me that the amount I paid was the not the full balance. So basically from XXXX until XX/XX/2019 XXXX XXXX was reporting late payments stating that I owe them XXXX $ ( XXXX ) dollar. I had no knowledge of this until I saw my credit report.
Consumer complaint received 2019-05-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (CA)

I collection account was put on my credit report my a company called Ad Astra ( XXXX ) for a XXXX XXXX loan. I called XXXX XXXX and gave them my social and they could not find an account. I then called Ad Astra and they did not have the correct social security number just my name on account that was not mine. They put that info on my credit report knowing they did not have a correct SSN for me. When I asked them how they could do that knowing they did not have the right SSN, they could not give me an answer. This has negatively affected my credit report and should be removed by this company.
Consumer complaint received 2024-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (SC)

I paid off my mortgage loan to XXXX XXXX Mortgage ( XXXX ) on XX/XX/year> when I learned they were transferring mortgages to XXXX XXXX-a company with a poor reputation according to consumer comments. The transfer between XXXX and Mr. Cooper occurred on XX/XX/year> which was XXXX days after my loan was paid off. The amount paid off to XXXX was {$46000.00}. I contacted Mr. Cooper frontline employees on XX/XX/year> and XX/XX/year>. They were unable to assist me with backing out my information on their end after I told them my loan was paid off. Mr. Cooper 's own documentation says they relied on information from XX/XX/year> which is now well over XXXX days old. They sent me a bill requesting payment by XX/XX/year> which was unpostmarked. I did not receive the bill until XX/XX/year>. I did not pay it because my loan is paid off. When I could not get any relief by phone and they sent me a bill, I sent a certified letter on XX/XX/year> asking Mr. Cooper to cease and desist. I requested a document from them that states I have been removed from their system and I DO NOT owe them any money. I am extremely worried they will damage my credit rating which is exceptional. What they are doing is fraudulent in my opinion. I even received a notice from XXXX ( credit monitoring ) over the weekend that indicates the loan is paid off.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (LA)

Hello, I applied for a Credit Card with American Express in XX/XX/XXXX. At the time when I applied for the card, I didn't realize I was applying for a charge card that had to be paid off every billing cycle ( end of month ). I used the card for almost 2 years, never missed a payment, and always paid the balance in full - unless I had made prior arrangements with AMEX since they offered to extend the payment deadlines with no penalty stating it was a courtesy feature for charge amounts over {$100.00}, but I will have to pay interest on the balance and there will a minimum amount due also. 

In XX/XX/XXXX, I called AMEX and informed them I won't be able to make my XXXX payment by due date but I will make two payments in XXXX and then call them sometime in XXXX or XXXX and pay the balance and they told me that that would be alright. So as planned and discussed with AMEX, I made two payments back to back in XXXX, missed my XXXX Payment and called AMEX in the first week of XXXX to make a minimum payment and discuss payment date for the remainder of the balance. 

Everything seemed to be going as planned so I made two more payments in XXXX to pay the balance in full. In XX/XX/XXXX, I noticed they had marked my account as 30 days past due for XX/XX/XXXX so I called them and asked why they were doing that when I had made prior arrangements to make those payments when I could and the person I spoke with told me they didnt have any notes whatsoever in their system stating anything about the payment arrangements I had made with them. I tried for a few months to have that negative reporting from my account but it didnt help. I even opened a dispute with all three credit bureaus and even provided them with proof of payments but they didnt do anything about it. Ive attached a list of payments that I had saved from the AMEX website showing the amount and dates of payments before I closed my account. 

Honestly, this isnt just about having negative reporting removed from my credit file, especially for an account that Ive paid off and closed already. For me this is about doing the right thing, sticking with promises, and honoring the arrangements that were made in advance. Im hoping you will help me with this issue and take whatever steps necessary so that AMEX doesnt do this to anyone else. 

I appreciate your time and effort on reviewing my case, and thank you for your understanding and cooperation in this matter. 

Respectfully, XXXX XXXX
Consumer complaint received 2016-09-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (LA)

XXXX/XXXX/2016 Original Creditor : XXXX XXXX XXXX ( unit XXXX ). 
Pre Acct : XXXX Amount : {$3400.00} Dear XXXX XXXX I never received a move out report after vacating the apartment on XXXX/XXXX/2016. The total {$3400.00} is totally ludicrous. This amount is being turned over to collection in retaliation of me moving out prior to lease ending due to the way the staff XXXX XXXX and XXXX were or were not handling me and other tenants, and was informed they make the tenants feel, the way they did thing, like they were being embezzled and extorted especially with most of the tenant being immigrants and possibly undocumented by threats it is in the lease that most could n't understand the almost XXXX page document, intimidation and false claims and never returned calls. I asked to many question that they never gave me an answer so I started photo and video documenting issues, damages and possible health hazards in apartment as well as on property. XXXX XXXX were taking advantage of there employer trust for there own personal gain and pasted the personal gain on to the buddies the towing and landscapes service. 

If and eviction was file after XXXX/XXXX/2016, I had moved out and was in a different state working on XXXX/XXXX/2016, it was in total retaliation because I had already move out and they had full control on the unit. I am filing a complaint with the Federal Trade Commission in regard to this collection amount along with photos and video documentations, that is collection be stopped. 

To view photos and video visit link. XXXX. or check out apartments reviews for additional information. 

Sincerely XXXX and XXXX XXXX
Consumer complaint received 2020-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

This card was open XXXX or XXXX the name is capital one / Walmart I never open a credit card before they use my identity and kept using it until they did not pay it anymore. I did not know about this card until I received a statement. I demand this card get off my credit its not mine, if its not taken off I will sue to the fullest.
Consumer complaint received 2018-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The following hard Inquiries on my credit report Im unaware of ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   In XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion customer service would not help and take care of the negative inquiries reporting to my credit report.
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I have made numerous attempts to have this issue resolved with Midland Funding regarding a negative charge off account on my credit file. I sent a letter to the company dated XX/XX/18 which included a copy of my ID theft report. The account is not my account and I have never had any business with XXXX XXXX XXXX. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. My consumer protection rights are being violated.
Consumer complaint received 2018-02-13
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. (CA)

These accounts are not my accounts they are FRAUDULENT Im not the XXXX XXXX XXXX e.g XXXX XXXX, I dispute all of the accounts listed below as FRAUDULENT ACCOUNT XXXX/XXXX {$2200.00} # XXXX ACCT, XXXX XXXX XXXX XXXX {$1300.00} # XXXX, XXXX XXXX XXXX XXXX {$390.00} # XXXX AS FRAUDULENT ACCOUNTS and the Inquiries are disputed as FRAUDULENT Inquiries as FRAUD XXXX   XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX and the FEDERAL TAX LIEN # XXXX XX/XX/XXXX {$31000.00} I DISPUTE ALL OF THE ABOVE ACCOUNTS AS FRAUDULENT.
Consumer complaint received 2019-05-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (MD)

I paid two payments at the end of XXXX to citimortgage. My account was current. I went in to pay XXXX 's payment and my account got sold to XXXX. I had no idea and did not get any notifications nor letters in the mail. 

I now get a letter from XXXX that my mortgage is behind and citimortgge did not post my payment
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (VA)

Synchrony is the bank that manages the XXXX and XXXX credit card, and they dont send an email when you sign up for paperless statements. This has resulted in being late for 2 payments and being subject to late fees and interest charges. As this is the second time this has happened Im convinced that this is a mechanism to collect late charges and interest charges.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-05-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (TX)

Ok I had to hang up on the lady today but us bank still trying to collect a debt that was forgiven and they issued me a 1099 c ... .I kept telling the lady on the phone the debt is forgiven and I got a 1099 c and still telling me I owe the bank over 16000 dollars and also I requested a title for the vehicle that got repossessed due to parking in a wrong spot and us bank still not trying to give me the title ... they still giving false info to XXXX about the balance and even they said once the debt is forgiven and got a 1099c the balance should still be XXXX and they steady reporting the balance I used to owe, but us bank need to get their priorities straight and know the difference between owing and the debt was forgiven ...
Consumer complaint received 2020-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I attempted to place a wire for {$5000.00} through the website for the bank on XX/XX/XXXX and got an error message twice, due to the urgency of the payment I payed via another method. I was surprised to find on the XXXX that 2 wires had gone through for a total of {$10000.00}. I promptly called the bank and was told it was a problem with their tech platform and that they would issue a recall for both wires. I followed up several times with them as this was a large amount and each time the specifically confirmed that both wires had a recall placed. Finally on XX/XX/XXXX {$5000.00} was returned to my account but the second wire of {$5000.00} was not refunded. I called the following week to ask about the second recall after the first had been issued and the agent let me know that it was still processing and that I just needed to wait. When I called again on XX/XX/XXXX I was then informed that the second wire recall that was mentioned in all the calls and the one I specifically confirmed and inquired about in multiple calls was never placed. That if I didn't make that call and had simply waited as instructed I would have never received back my money.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I mailed out dispute to XXXX, XXXX  and Experian about my name being incorrect on my report and wrong mailing addresses on my account more than 30 days ago. I included my License, Social Security and even a recent bill for verification.
Consumer complaint received 2019-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I applied for a car loan online and was denied. I thought it was a mistake because I've always paid my bills on time. I spoke to someone at the lender 's customer service and he told me I had delinquent accounts. I was confused and went and pulled my credit report To my surprise I saw several things on my report that were not mine. Before reaching out to you all I contacted the police and got in contact with the FTC. I need these items deleted. XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NH)

Equifax ; XXXX  and XXXX are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

After a thorough examination of my credit report, I've identified discrepancies, including unfamiliar items, Student loans, addresses, and other details that do not match my records. Taking immediate action, I am filing a complaint with the Federal Trade Commission ( FTC ) to report suspected fraud and identity theft, as these accounts were not authorized or opened by me My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing.Please help me delete these illegal accounts from my credit reports. XXXX Department of EDU 3x on my credit report fraud and identity theft
Consumer complaint received 2020-04-13
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2018-06-12
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

My identical twin sister and I have very similar social security number. TransUnion has had our report as one report for well over five years. They claim no fault and have even given both of us access to our report with different social security numbers. They fail to properly fix with 60 days. 

This is includes the following lenders pulling hard inquires on my credit report. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX - XXXX XXXX  XX/XX/XXXX Capital One XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXk XXXX XXXX XXXX XXXX XXXX Vs XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Credit report entry as charge off, when in fact it is a late payment. One results in 7 years impact, the other is 6 months. 

The late payment accepted was 24 days. 

BofA failed to send statement in final month, despite doing so the two previous months after insurance write-off.
Consumer complaint received 2015-11-03
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CA)

Dear Sir/Madam, Recently, Scottrade Brokerage made the following disclosure to customers : https : //about.scottrade.com/updates/cybersecurity.htmlI would like to know if Scottrade Bank was also involved in this databreach. 

Sincerely Yours,
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — Store credit 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: TIDEWATER FINANCE COMPANY, INC. (WA)

I paid off the balance of this account, but an oversight caused an extra payment to be sent to the company. I called my bank to try to reverse the charges, but they were unable to do so. I called the company. I first called on XX/XX/19, the day they received the payment, but the representative that answered the phone was unable to find the account. I repeated the information slowly and clearly, but they could not understand the numbers. They finally were able to access my account, but then could not understand what I was asking. After the fourth unsuccessful attempt to explain my request, I asked to speak with a supervisor. The rep then put me on hold for 12 minutes at which point I was hung up on. Then, I attempted to use their web chat, which there was no response. I finally called again and spoke with a person who now says they will return the money, but not for 60 days. They should not be allowed to hold onto my money and earn interest on it for 60 days. That is an unreasonable amount of time to hold someone's money on an account in good standing.
Consumer complaint received 2019-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NY)

I got a letter that on XX/XX/XXXX, the company I hired ( XXXX XXXX XXXX  ) was able to negociate a settlement with an account that was delinquent ( XXXX XXXX/XXXX  account in a 9 payments of {$100.00}, which came to its completion on XX/XX/XXXX. 
But these people Midland Credit management, wants to continue to collect and retain the bad remark on my credit reports all across, I tried calling them, but they claimed they can only talk to the people that represent me ( XXXX XXXX XXXX ) and I said they no longer work for me, I sent Midland a letter in writing my dislodging with XXXX a month and a half ago, but they still avoid me, I just want them to recognize the account was paid in full for the settlement and remove those bad remarks from my credit reports.