davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (TX)

XXXX XXXX XXXX XXXX XXXX continues to try and collect a debt that is not owed by me. The debt in question was resolved through a personal injury lawsuit in XXXX. At the time of settlement, XXXX XXXX provided a Release of Lien in this matter which I have attached hereto. On two separate occasions, they have referred this matter to a third party debt collection agency. First, to XXXX XXXX and most recently to ARstrat LLC. Both myself and my attorney have tried to resolve this matter.

Attached is a detailed description provided by my attorney to XXXX XXXX as to why this debt is not owed, as well as the documentation of the release of lien provided by XXXX XXXX.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XXXX, XXXX reset my credit limit on my XXXX club account at what I owed. This caused the utilization rate to increase substantially, causing my credit rating to decline. 

Yesterday, they notified me they were now doing this to my XXXX XXXX through XXXX 's, again, causing my credit to go down. 's WITH XXXX, I have always paid on time and a little extra each time. With XXXX 's I had XXXX late payment, but not even XXXX days and they rescinded the late fee. I have a plan to pay off or down all debts, have liquid assets to do so, and was going to do it after taxes. At this point, I will pay down or off other creditors first and put XXXX and XXXX to XXXX of those debt relief schemes. 

I fail to see how XXXX 's harming my credit helps XXXX 's. They did not contact me before the fact or offer any other alternative. I was not adding at all to the XXXX XXXX, they could have freezed it or offered something like that to me and I would have taken it. Instead, they set out on a campaign to ruin my credit and it really XXXX me off.
Consumer complaint received 2020-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2022-04-05
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

At this point I've sent a letter to Capital One First Letter sent on : XX/XX/2022 Capital One - is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

Capital One HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS
Consumer complaint received 2020-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NC)

In XX/XX/XXXX, I received a letter from Chase Bank to settle an {$830.00} outstanding balance on a credit card. The settlement agreement requested either three options for payment in full one of which was two payments of {$87.00}. On XX/XX/XXXX, I made the second and last payment of {$87.00}. The debt was no longer on my credit report as a new account. I requested that my account be marked " paid as agreed. '' But they did not note my account at all. Then, I received a letter on XX/XX/XXXX, from Chase bank dated XX/XX/XXXX stating I owe a balance of {$650.00}. This account has been closed for over three years. The letter also states to settle the {$650.00} that I needed to pay {$65.00}. I made a final payment according to our agreement on XX/XX/XXXX, according to the settlement Chase bank sent me. Today, I am going to pay the {$65.00} because it is impacting my credit report. However, I believe this is egregious conduct and against the settlement. Additionally, Chase Bank keeps reporting an old closed account as if it is new on my credit report. I want them to cease and desist from sending me any more settlement agreements once they receive this last settlement payment and to stop reporting this closed, charged-off account as a new collection account. Furthermore, they need to note in my credit file that I " paid as agreed. '' I pay and then they note that I paid, and that should be the end of the debtor/creditor relationship.
Consumer complaint received 2021-02-22
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC (FL)

XXXX XXXX  supposedly third party company called Apex which is unlicensed decided to contact my employer about a wage assignment. So far to date, I paid about {$1000.00} and the wage assignment was for {$1100.00}. I tried to contact the number but goes straight to voicemail. Time for XXXX XXXX to payback what they took from me.
Consumer complaint received 2020-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On the morning of XX/XX/2020 ; I was using my debt card at a gas station. My card card was canceled without my knowledge or consent. I contacted customer service and was transferred to a persona named ( XXXX  : XXXX ) Employee ID XXXX  ; He was very snark with remarks claiming to be " XXXX XXXX '' but I can call him " XXXX ''. After an hour of speaking with " XXXX '' he refused to escalate my concerns to his manager. Claiming not to have a manager and I can only file an internal complaint with him about his conduct. He then kept me on hold for another hour claiming he was working out of Montana, when the are no Bank of America locations in Montana. I recorded the conversation as evidence for a lawsuit since he thought it was so amusing. I like to be amused as well and a reimbursement for the time spent dealing with his lies would give me nice chuckle. 

All in all it was if these are the people representing BOA them we should consider working with another financial institution.
Consumer complaint received 2021-02-22
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

EXPERIAN is reporting XXXX XXXX  account XXXX. I was not primary borrower on account. I provided evidence of primary borrower filing bankruptcy. Experian ignores my request to delete.
Consumer complaint received 2020-09-17
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. (IN)

XXXX agreed to take a XXXX  deed back. Completed in XX/XX/2020. Sent us a letter to confirm it was completed. We Applied for a new home loan and were denied. Checked with Experian and it showed Derogatory - Foreclosure. 
I called XXXX. Said they reported as a return back to them not foreclosure. Need this fixed on our credit report!!
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (CA)

Was approved for an XXXX store card and made purchase of approximately {$50.00}. Was unable to pay balance for several months due to not having credit card which was never mailed to me. Tried several times to get card number so I can pay it off online. After several months, credit card finally came in the mail. Paid it off completely. Meanwhile credit score went from XXXX, down to XXXX.
Consumer complaint received 2021-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc (AZ)

on XX/XX/2021 i ran my credit report and notice a company name THE BEST SERVICE COMPANY XXXX XXXX had reported a collection account on my credit. 
Upon investigating it states this is from XXXX XXXX XXXX XXXX. 

My XXXX XXXX XXXX XXXX account was hacked and XXXX XXXX XXXX XXXX refused to investigate. After encountering NSF fees i called the branch to figure my options. The branch credited the account the negative amount and closed it due to the fraudulent activities. 
Now i am being billed for someone else fraudulent activities and the bank has refused to investigate
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

In XXXX I was solicited to apply for a Home Depot CC offered by Citibank. I applied and was approved for a credit line of {$8000.00}. I made a purchase in the amount of {$68.00} which reflected a discount for my first purchase. 

In late XXXX I began receiving phone calls that my account was past due and realized I never received a statement. Using the prompts on the automated call I attempted to advise customer service that I hadn't received my statement- each time I was transferred offshore and the line was disconnected. 

In XXXX I received a statement which indicated my balance and late fee of {$29.00}. Using the pay by phone feature I paid the the balance of XXXX and phone customer care to discuss the late fee of XXXX. I was told that fee would be waived. I considered the account paid in full with the fee waiver and my payment. 

In XXXX, I received a statement that with a balance of {$62.00} which was for 2 late charges. The first charge was not waived and then I was assessed a second fee. 

I phoned customer care and spoke to someone stateside, after a long discussion she came back and said that both late fees would be waived. My call was recorded and she assured me the balance would be XXXX Today XXXX I received another statement with another late charge and showing the outstanding balance that was to be waived. I again phoned the call center and they told me that they wouldn't waive my fees despite what I was told by the previous agents, because there was no evidence of returned mail. 

I can't speak to what the mail system was doing in XXXX during a pandemic and election, but I know a statement was not received. If the agent in XXXX would have followed through this balance would not be this high. I am now being charged more in fees than my initial purchase. The failure to waive the fees as promised is unfair and an attempt to collect fees. Agents assuring me the balance would be waived is deceptive and now I am being charged another fee. In addition, I am now faced with paying fees I should not pay and am being penalized with a late reporting on my credit report.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MI)

On XX/XX/XXXX I lost my purse and someone stole my bank card, license and XXXX. I called to report this to Wells Fargo that someone went to XXXX and used my debt card. My debt card has XXXX missing and I absolutely need it back. When I called they told me that I cant get my money back because no one used my card since it been stolen and that if they stole it, they would try to use it again. I advise them I went to the gas station and am I not sure where my purse is at. They continue to say its conflicting but I dont no money at all its fraud. Im filling this complaint because they arent trying to help. They denied my fraud claim.
Consumer complaint received 2023-01-28
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: Experian Information Solutions Inc. (LA)

on XX/XX/2022 I sent in dispute requesting and investigation of the items they said were verified by creditors it has now been way over 60 days and I they have not supplied evidence of the supposedly verified account. Section 611 ( a ) is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since being it is well over 60 days they should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to stress you caused me. My information was also involved in the XXXX data breach and May have gotten into the hands of the wrong person. My information was also involved in a cyber attack whereas my information had been compromised as well.
Consumer complaint received 2023-01-28
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-02-22
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX  XXXXXXXX reporting 9 missed payments. Months are inaccurate. Company ignores my evidence. Monthly payment is {$260.00} a month. Payments were not 30 days late. If payment is due the XXXX and I pay the XXXX that should not be reported.
Consumer complaint received 2021-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After numerous phone calls with disrespectful representatives I decided to put everything in writing with an affidavit of truth and a letter of instruction explaining that I am the consumer, natural person and original creditor. 

I also sent in a notarized affidavit stating facts about what happened. Please ask for the consumer reporting agency to share that with you at the CFPB. 

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) no consumer reporting agency may furnish a report under the following circumstances and not other ; In accordance with written instructions of the consumer to whom it relates. When I explained this Federal Law I was yelled at by a representative about what polices they follow and was rushed off the phone. I called back only lot be passed around and hung up again.

Pursuant to 15 U.S. Code 1681n any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. This has everything to do with inquires that I did not consent to. When I expressed that I needed them to be removed I was again faced with policy. When I asked what laws they abide by I was told FCRA but no one was able to provide with which law stood in opposition to what I requested.

Pursuant to 15 U.S. Code 1681c2 I submitted documents such as my Credit Card as defined under the Truth In Lending Act as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I provided my PA Drivers License and a XXXX XXXX and was told this was not sufficient to process my request by it then was used to update other personal information that I gave to no CRA ( consumer reporting agency ).
Consumer complaint received 2017-08-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management (TN)

Plaza Services - Failure to provide proof of alleged debt. I was not properly notified of an alleged debt that Plaza Service was reporting as an " open unpaid {$280.00} collection '' on my credit report. On XX/XX/XXXX is when I received a copy of my credit report and noticed this alleged debt. When I did see the {$280.00} reported by Plaza Services on my credit report I immediately took action. I sent a letter via mail contacting Plaza Services on XXXX XXXX 2017 asking them to verify the alleged debt. In the letter I also stated if the debt was legit and I truly owed {$280.00}, I would pay Plaza Services in full for a complete deletion from all three credit reporting agencies. I have yet to receive any written proof of this debt as of X/XX/17. I have given Plaza services more than enough time to respond, and provide me with proof of the alleged debt.
Consumer complaint received 2020-09-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelson Cruz & Associates LLC (TX)

I was employed by this collection agency from XXXX. During this time I observed the company make collections on debt that was past the Statute of Limitations in all 50 States.

The collectors were telling debtors that a motion has been filed in the debtors county for a lawsuit, that the collector would say NCA is a law firm, that unless the debtor would come to an agreement right then an there the motion would be put into place, that the debtor can have their wages garnished. This company is not a law office, the collector was not an attorney nor paralegal but would say they are a liason then other times not say they what their title was but that a lawsuit will be filed, this was on both current debt plus debt that was past the Statute of Limitations. NCA would tell debtors the debt is on their credit score even if it's 8-12 years old with the company placing old debt onto a person credit report to collect even though the debt is past the limitations thus affecting the debtors credit score. The company collected on all types of debt.
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates has been claiming they have purchased a debt from XXXX XX/XX/XXXX and are attempting to collect it from me, but I don't have a card with XXXXXX/XX/XXXX never have, and can prove that.
Consumer complaint received 2021-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management (MS)

FOX COLLECTION CENTER is reporting a medical debt that was paid by my attorney during a settlement with the original debtor. I have tried to get this removed thru the XXXX  dispute center. Fox Collection Center responded that the debt was verified. They did not say how it was verified only verified. I have complaints from others that the Fox collection center goes out to an electronic bulletin board and purchase account without even verifying that these debts are still unpaid.
Consumer complaint received 2020-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

Repeated abusive phone calls by " XXXX  '' with stereotypical white american names like " XXXX '' or " XXXX '' demanding money for a non-exsistent debt of {$580.00}. 
Lately they have been sending mailings demanding money to be sent to " Midland Credit Management , Inc at XXXX. XXXX XXXX XXXX XXXX, Ca XXXX ''