davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (CA)

I received a call from XXXX XXXX XXXX asking if I wanted to switch to Uverse that it was better and that there was no charge or interruption of service. I received a new modem in the mail and after connecting it found out it was defective. I was directed to an XXXX office in XXXX, CA to exchange the Modem. Went to the store and was told that I was given the wrong information and had to send it back ( mail ) to exchange it for a working XXXX which I did. After about 20 days the system was up and running. Got a collection call several months afterword 's, I contacted XXXX XXXX XXXX who told me it was an error and that they would correct it. A year later I am starting to get collection calls and letters trying to collect the same account again. I called XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX - would not give his last name ) and basically was told that either they could not find the account or that they could not do anything about the account because they had sold it and that I would have to work it out with the collection company. I had and still have the same service with XXXX XXXX XXXX with no interruptions in service.
Consumer complaint received 2017-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

Dear Sir/Madam, I 've met the sign-up purchasing two months ago, and yet my bonus XXXX XXXX points are still not in my account till now. I 've contacted AMEX a couple of times but the issue has n't been resolved. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-10-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I was deceived and bullied into default by wells Fargo Home Mortgage. 

I have sent so many complaints and all that is being done, is my information is sent to them. I would like to have assistance in suing them, I 'm not going to stop until they resolve this problem they created.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX Initial correspondence sent to Credit reporting agency XXXX XXXX XXXX XXXX Transunion XXXX regarding the accurate reporting of items disputed. In letter a requirement was made for all items to be validate 100 % ( Status, amounts, etc ). After review was completed items in question came back verified, however due to inaccuracies in balances reported vs statements received from the Original creditor. 
XXXX/XXXX/XXXX a 2nd review letter has been submitted to have items in question removed as a full investigation was not completed validating all criteria to report the items in question. I feel the items in question were not full investigated as 100 % accurate as required by the FCRA guidelines for reporting information. 

My resolution requested is to remove/delete the items in question due to negligence in not fully verifying all required pieces of information.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

I have a loan with SYNCB/CARE CREDIT and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/CARE CREDIT and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX and SYNCB/CARE CREDIT with no successful resolution.XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XXXX XXXX at XXXX est i called transunion credit services and spoke to XXXX in the usa, to Inform them i was aware of inquirys on my credit report that where deleted from a glitch a while back they had and deleted my inquirys on my report and now they put them back on my report and some others i never made, i told them i know my legal rights and legal protections and that they failed to notify me in writing XXXX days prior to re-adding the inquiries to my report that they were intending to do so. I Demand that all of the inquiries be deleted for this reason and this reason alone from my TransUnion report. My transunion report #
Consumer complaint received 2022-03-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bonneville Billing and Collections (VA)

My son was in A bicycle accident on XX/XX/2021. EMTs took my son to XXXX XXXX  XXXX and they decided they needed to medevac him to XXXX because they did not have aftercare services for my son and they felt hes was going to need that care. XXXX XXXX  XXXX stated that we would not have to worry about the cost of the transport from their hospital to XXXX, that our insurance would cover it because this was not our choice and it was a medical emergency. The doctor told us the insurance would cover it. XXXX XXXX  is in our network with our insurance XXXX. We were not told about any charges or incurring any out of network charges until we received a surprise billing of an enormous amount almost {$57000.00}. XXXX felt it was an unfair charge and they paid only what they felt was fair and only paid {$4700.00}. We were told by XXXX that we only had to pay a deductible of {$150.00}. Now the company XXXX is sending this into collections for the remainder of balance billing not paid by insurance ( {$52000.00} ). 
Ive even of had the bill appealed to XXXX and XXXX denied it. I would like to understand why I am responsible for XXXX XXXX using an out of network service and not disclosing that information when we were needing to transport my son. We offered to take him the XXXX miles and the hospital said we could not take him. We had no other options to get him to XXXX. Is this legal? I did not contract XXXX XXXX XXXX to transport my son, the hospital did and they said I would not need to worry about cost because insurance would cover it and just to focus on my son.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX Initial correspondence sent to Credit reporting agency Equifax , XXXX , XXXX XXXX regarding the accurate reporting of items disputed. In letter a requirement was made for all items to be validate 100 % ( Status, amounts, etc ). After review was completed items in question came back verified, however due to inaccuracies in balances reported vs statements received from the Original creditor. 
XXXX/XXXX/XXXX a 2nd review letter has been submitted to have items in question removed as a full investigation was not completed validating all criteria to report the items in question. I feel the items in question were not full investigated as 100 % accurate as required by the FCRA guidelines for reporting information. 

My resolution requested is to remove/delete the items in question due to negligence in not fully verifying all required pieces of information.
Consumer complaint received 2017-10-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I have been contacting this company for over two years trying to verify a debt that XXXX XXXX states I owe. I have repeatedly asked for verification of debt, method of verification, names of who they spoke with to verify the debt and even sent a letter to the original creditor who stated that they no longer have any records and I need to call Midland but they have yet to verify a debt I supposedly owe. I do not owe this debt nor do I have any knowledge of this debt owed.
Consumer complaint received 2017-10-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Recovery Systems (MI)

Midwest recovery systems is trying to collect a utility debt from me that was incurred over ten years ago. The original company I owed the debt to was XXXX XXXX in the amount of {$810.00}. They constantly call my phone numerous times throughout the day and on weekends. Now they are contacting my daughter her telephone number is XXXX and threatening her that they are going to call her employer. This is harassment and it needs to stop. I have block several telephone numbers that this firm uses. If you need any of these numbers please contact me. 

The harassing company is : Midwest Recovery Systems. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX MO. XXXX. Their telephone number : XXXX.
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (CA)

CFPB Complaint Date : XX/XX/2024 Fair Debt Collection Practices Act ( FDCPA ) Violation Hello, This letter serves as a formal complaint regarding your violation of the Fair Debt Collection Practices Act ( FDCPA ) in your collection attempts on a reported debt. 
Specific Violations : XXXX. Failure to Provide Validation Information : You have not provided me with the validation information required by 12 CFR 1006.34 ( b ) ( 5 ). This information is crucial for me to assess the debt 's legitimacy. 
XXXX. Denial of Dispute Opportunity : You have not provided me with a fair and meaningful opportunity to dispute the debt as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
XXXX. Deceptive and Misleading Practices : Your actions constitute a violation of the FDCPA 's prohibition on using false, misleading, or deceptive means in debt collection activities ( 12 CFR 1006.34 ( d ) and 15 USC 1681-s-2 ( 7 ) ( A ) ). 
XXXX. Furnishing Incomplete Information to Credit Reporting Agencies : You placed a collection on my credit report without providing the necessary disclosures required by law, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-s-2 ( 7 ) ( A ).

Request for Action : 1. Cease and Desist all Communication : I am revoking my consent for you to communicate with me through any means, including phone calls, text messages, or emails. All future communication must be made through certified mail. 
XXXX. Debt Validation : I demand complete validation of the alleged debt, including : * A copy of the original creditor agreement. 
* Proof of assignment of the debt from the original creditor to XXXX XXXX XXXX. 
* An itemized statement of the debt, including dates of service and charges. 
XXXX. Proof of Licensure and Bonding : Please provide documentation proving your licensure and bonding to collect debts in my state. 

I expect a prompt response to this complaint and a resolution to the violations listed above. If I do not receive a satisfactory response within 30 days, I will be forced to pursue further legal action, including reporting your violations to the Consumer Financial Protection Bureau ( CFPB ), filing a complaint with the Federal Trade Commission ( FTC ), and/or seeking legal counsel. 
Sincerely, XXXX XXXX XXXX Account Name : CREDIT COLLECTION SERV Account Number : XXXX
Consumer complaint received 2019-10-27
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: Experian Information Solutions Inc. (VA)

I initially submitted a dispute with Experian regarding the following accounts reporting on my credit report : XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX This dispute, regarding this unverified and fraudulent accounts was received by Experian, via certified mail, on or about XX/XX/2019. Despite my disputes regarding these fraudulent accounts and my requests for proof of verification of these accounts, Experian is the only bureau that still negligently keeps these unverified accounts on my credit report. The other two bureaus have deleted these accounts, as they are unverified and fraudulent. It has been 63 days and Experian refuses to resolve this issue and I have even been sent a letter by Experian, stating they will not investigate further, when they never truly investigated these accounts in the first place. FCRA states that any account that can not be verified and that is fraudulent must be deleted. Experians willful neglect of the wrong information on my credit report is not only damaging my ability to acquire credit, but is a violation of FCRA. These accounts need to be deleted or I am fully prepared these take matters to the court, retain counsel and sue for the states maximum for each violation of FCRA.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MA)

All of my old history has been deleted from my equifax report. This has caused my credit score and history to go down drastically and when I call Equifax they have transferred me to different people all saying the same thing that there is no history of anything being deleted.I have proof from my previous monthly report and have offered to submit to them but they say nothing they can do so I need to contact my credit card company which i have and they assured me that everything is being reported correctly by them. My history consists of all my good accounts from XXXX XXXX XXXX opened on XXXX, XXXX XXXX opened XXXX, XXXX opened XXXX, XXXX opened XXXX, XXXX XXXX XXXXs opened XXXX, XXXX opened XXXX. I have also attached proof of the accounts being on my report
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a Hard Inquiry in my TransUnion record on XX/XX/2017. It was done by " XXXX ''. I did n't authorize anyone to check my credit reports. I do n't know who this company is. Can you investigate what happened and possible get it removed fro my history? 

Thank you.
Consumer complaint received 2019-10-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BB&T CORPORATION (PA)

The loan company gave me the loan on a XXXX XXXX XXXX in XX/XX/XXXX for 66 months. According to the bank I had 12 extension which would put the last payment XX/XX/XXXX. I was receiving a monthly phone call and statement saying that I stilled owed XXXX as of this date. I continued send a payment for another nine months until XXXX of XXXX. I consider this loan paid in full plus extra payments. They confirmed that I have made 68 payment at XXXX. Which fulfills the loan requirements, plus two extra payments thank you
Consumer complaint received 2017-10-24
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (GA)

We have a property that has been for sale since XXXX XXXX. For most of this time period the property has been under contract ( 4 separate offers ) and awaiting response from the mortgage company. The first offer, buyers walked away because it took too long for a response. The second offer, mortgage company countered, buyers increased offer and again the mortgage company did not respond in a timely manner. When the closing date came and went the buyers threatened to sue us for breach of contract if we did not reimburse them for appraisal, inspection, and survey fees ; which we did. The third offer, buyers walked away because again the mortgage company did not respond in a timely manner. 

The current offer is a full price, cash offer of {$290000.00}. The contract was submitted on XXXX/XXXX/XXXX with a closing date of XXXX/XXXX/XXXX. The mortgage company requested to extend the closing date to XXXX/XXXX/XXXX, all parties agreed. We were advised by our point of contact that once we submit an offer close to or the exact amount of {$290000.00} it would not take long for them to review the file and issue a decision. Today is XXXX/XXXX/XXXX and we are still awaiting a decision from the mortgage company. Although we have been very prompt in submitting all documents and information requested, the mortgage company is unacceptably slow to process the sale which is causing anxiety to both parties. 

Any assistance you can give us in resolving this matter will be greatly appreciated.
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My name is XXXX XXXX. I'm a recent victim of identity theft. My business and person checking account have been skimmed 3 times since XXXX. We have tried our best to get back on our feet ASAP. I'm a XXXX XXXXe, Business owner and my husband is XXXX. Unfortunately our account got skimmed the end of XXXX going into XXXX. It took the bank and extended amount of time to recover our funds for us. It happened twice more. I've never seen anything like this. I noticed it more since the PPP loan and EDIL. I'm working extremely hard to rebuild my credit. Especially after experiencing identity theft. I love capital one and had actually intended on changing my business account to their bank. Because of the skimming I decided to open a checking account with capital one. Because I trusted Capital one Ave they've been great at assisting us up to recently. I understand that payments got returned. Unfortunately this occurred during the summer months while we were in the process of recovering our funds. But I still made me payments another way. Unfortunately without contacting me Capital one closed my credit card account ending in XXXX. I was extremely upset because this was insult to injury. I tried my best to make to navigate this difficult situation.To rectify any further issues I decided to open a checking account in which I did before the closure of my credit card. I asked for help transferring money from my capital one checking to my credit card while on the phone with agent. He was unable for some reason to assist. I was also having issues with also with the app. I did notify customer service of this. I also had to reorder my debit card. Also mentioned during the card that I was concerned that it potentially went to the incorrect address. I never received the first shipment.
Consumer complaint received 2021-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (GA)

I have continued to see on my credit report an account with the company name 'PROF DEBT ' with a note that says original creditor was named 'XXXX XXXX  ' in the amount of {$2600.00}. It states this is an individual debt. 
I am not familiar with either of the names given nor do I have any negative account with this large of a balance. 
I have disputed this numerous times with all the credit bureaus yet the collection continues to stay on my credit report and will not be removed. 
I believe this is a significant infringement on the Fair Credit Reporting Act. I have yet to be provided any sort of verification of this debt and believe the company responsible for placing it on my record is doing so with the awareness of their fraudulent behavior.
Consumer complaint received 2017-10-25
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: Early Warning Services, LLC (NJ)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
The XXXX Accounts should be blocked from my file as they were opened as a result of ID theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Fair Credit Reporting Act Section 605B
Consumer complaint received 2017-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

I could not access my account online and the phone tree system was non-responsive to touch-tone entries. I called at XXXX XXXX to XXXX. I 've tried multiple times to reset my password online and the web form simply states I have incorrect information, but I really do n't know what to do to gain access to the account since I do n't know what information is incorrect.
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTECH DIVERSIFIED, INC. (TX)

Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2017-10-25
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. (HI)

I was applying for a loan 1 year ago and found that XXXX XXXX had put me in collections for an account that I did not know existed. I dropped out of the school early in the semester. I called XXXX XXXX and let them know that they XXXX had reported the same account 2 times and they confirmed that there was only 1 account and set me up on a repayment plan of {$50.00} a month. I called Equifax to dispute the duplicate reporting with dispute # XXXX and never got a response back. 1 year later the duplicate reporting is still on my credit report. the correct account balance is {$1500.00} and being paid, their is another reporting of the same account with {$2000.00} that should have been deleted from the report over 1 year ago when I first disputed it. I have put in a new dispute with Equifax online the new # XXXX and I have attached the proof of payment on the account. If this does not get fixed asap this will cause me inconvenience in purchasing a home.