davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TX)

I was in the hospital for covid XXXX to XX/XX/21 I have XXXX XXXX insurance and have paid my XXXX deductible to all parties that billed, doctors, hospital, etc. All has gone through XXXX. 
Today I received XXXX collection accounts from XXXX XXXX of Texas XXXX that appear to be trying to double bill me for services rendered by the hospital Doctors. None of the so called XXXX doctors on their list, tended to me, Nor Have I EVER received a bill from them, or has it gone through my insurance. 
I have contacted this collection agency called Online Information Services at : XXXX They are supposedly reaching out to the XXXX XXXX to get a bill to verfy the debt and send that to me. 
They are not only trying double charge for services, Ive already paid through my insurance, they are OVER CHARGING AS WELL! No one at XXXX XXXX 's knows who this XXXX XXXX is.
Consumer complaint received 2017-10-09
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. (CT)

I contacted all 3 Credit Bureaus XXXX, Experian and XXXX several times regarding XXXX accounts that were opened with XXXX as a result of Identity Theft. After several disputes and even filing complaints with the CFPB in which they were again provided with copies of the police reports all 3 bureaus removed the accounts responding that the ID Theft was founded and the accounts had been removed. Now 2 weeks ago I recieve notice the bureaus with out cause relisted the previously deleted accounts. The notation was added " The Creditor is unable to reach you in regards to the ID Theft '' the creditor has reached me numerous times and has been provided all of the information. Relisting the following accounts is a violation of FCRA. The following accounts must be removed from my credit reports immediately or I will be forced to retain legal counsel and seek Judicial and financial recourse. 

XXXX XXXX {$0.00} {$250.00} {$5400.00} XXXX REPOSSESSION {$510.00} XXXX XXXX {$4000.00} {$46.00} {$4600.00} XXXX CHARGE-OFF {$1500.00} XXXX XXXX {$3000.00} {$3600.00} {$3600.00} XXXX CHARGE-OFF {$3600.00}
Consumer complaint received 2022-09-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation (FL)

On XX/XX/2022, Penn Credit Corporation reported {$2400.00} in collections to my credit reports for XXXX XXXX XXXX XXXX which resulted in an XXXX Point Decrease/Damage to my credit score. I called XXXX XXXX since I pay them directly for the birth of my daughter and they told me that my account was NOT with Penn Credit! I never received a phone call or mail from Penn Credit -- I was never contacted by them. I then disputed this with XXXX and Penn Credit but it did not change a thing! I want this derogatory collections off of my credit reports and my credit score reinstated! I will not pay Penn Credit anything since I pay XXXX XXXX XXXX XXXX for my debt! Thank you for your help! XXXX XXXX XXXX
Consumer complaint received 2022-02-28
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. (GA)

There are a lot of business inquiries on my credit report. i have no knowledge of these inquiries. I have sent in letters to the bureau, asking them to remove these items. At this point and time no actions have been taking. These items are affecting my credit profile and are stopping me from being able to obtain things. can you please resolve this issue for me and in a timely matter? These items were put on my credit report from XXXX of XXXX of XXXX!! 



Thank You!!!
Consumer complaint received 2017-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

I opened my account on XXXX/XXXX/XXXX. I received my first statement via USPS. The company issued an incentive for me to sign up for online statements only. I requested online statements. However, I could not access my statements online. I received notification that my statements were available on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX and XXXX/XXXX/XXXX. However, when attempting to access the statement online, I received a message that the statements were not available and to review information in the Account Transactions section of their website. On XXXX/XXXX/XXXX, the due date of the payment, I made a payment that posted to my account and was listed on their customer portal. On XXXX/XXXX/XXXX they charged me a {$25.00} late fee. 

I, fortunately, usually pay my bills before they are due. However, I know many that do not, and, wait until the last minute. I contacted customer service on XXXX/XXXX/XXXX at XXXX am. They first attempted to state that my payment was set up for XXXX/XXXX/XXXX. Which, I promptly copied the confirmation for my XXXX/XXXX/XXXX payment for settlement on XXXX/XXXX/XXXX to them. Then they said that it was a system error and that it would correct itself when the payment posted to my account. 

My complaint is that this may be a systemic issue to improperly assess and collect late fees. It seems like I receive erratic statement notifications, I constantly have to keep on top of when I spend money to check the site when payment may be due, and payments made and posted on time are not reflected properly by the creditor. 

I did a quick XXXX search and this is not only happening to me. I see several others discussing these same issues, but to a much greater extent.
Consumer complaint received 2015-10-24
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (IL)

On XXXX/XXXX/2015 XXXX fraudulent charges were made to my Rushcard. My card was then blocked by the company but I was never notified of such charges. I only found out because I tried to use my card at the grocery store and at that time found out it was blocked. I checked my balance and found that I had much less then when I checked. It earlier that morning and came across the charges. I have been trying to resolve the matter since then. I have been in contact with Rushcard for the past 2 days and they are telling me that their system has been down and they can not help me until it comes back up. So until then I am without my funds and can not pay any upcoming bills I have due their error.
Consumer complaint received 2024-01-26
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX account # 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 an account without my written instructions
Consumer complaint received 2017-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CA)

I have this payment on automatic pay. I never miss a payment. The bank generally changes my mortgage payment due to shortages or overages on the impound account. This is okay. However I never get their notices. They increased my payment XXXX dollars and because that overage was not paid they charged me a XXXX dollar late fee even though I made the XXXX dollar payment on time. There should be a law that banks can not charge more on a late fee than what is owed.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

Hello : I have a school loan that has been deferred by XXXX XXXX. I was told that the school loan would reflect current on my credit report however is shows that it 's closed. I spoke to the Dept of Education and they told me to dispute with the reporting agencies ... .XXXX and XXXX . I would appreciate some assistance regarding who to contact and how to begin this process to correct the information on my credit report.
Consumer complaint received 2016-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (SC)

I defaulted on a loan with XXXX. The loan was sold to a collection company ( agent ) I made a payoff agreement with the agent of XXXX to payoff for removal. One the debt was paid off XXXX placed the debt back on my credit as a paid off collection and will not remove it as per the agreement with it 's agent.
Consumer complaint received 2015-10-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I received a promo certificate in a mail from Chase Bank to open a checking account, set up direct deposit of minimum of {$500.00} a month and my account will be credited {$300.00} in 90 days. I went to the brach in XXXX, CA ( XXXX XXXX XXXX, XXXX, CA XXXX on XXXX/XXXX/15 and opened a checking account, deposited XXXX XXXX dollars to the account and set up partial direct deposit to test the services. It is XXXX and I have not received a credit of {$300.00} as of yet. I contacted the person that opened my account ( XXXX XXXX XXXX XXXX # XXXX ) and asked him to look into this matter. He stringing me along for a week and now, keeps coming up with excuses such as I was a Chase previous customer before and promo for a new clients only ( why this was not disclosed by him originally ), or I need to bring minimum of {$50000.00} dollars as an investment to the branch in order for his branch manager to make an exception with {$300.00} credit, or did I give you a print out confirmation that you are eligible for the credit of {$300.00} when I opened your account?. The person is disohest and not able to explain all terms upfront in full, he gets paid on services he generates with the knowledge that he is doing something wrong and let 's clients believe that things did n't work out or issues will go away on it 's own. This is a terrible customer service and intentional fraudulent conducts that has to be punished for the sake of Chase clients. Please look into this matter to prevent future fraud.
Consumer complaint received 2015-10-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (TX)

Earlier this month ( XX/XX/XXXX ) I contacted the consumer financial bureau regarding false reporting by drive time to credit bureaus. I stated that I voluntary repoed my vehicle XX/XX/XXXX. I also stated that the company consistently falsely reported this information on certain months. I have not had an account with drive time since XX/XX/XXXX and just this month they just reported a repossession XX/XX/XXXX. this is a violation of federal law as well as the fair credit reporting act.
Consumer complaint received 2017-03-06
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Global Credit & Collection Corporation (MI)

debating onI received a phone call from a company calling themselves global collections services with a return number of XXXX threatening me to take me to court on a payday loan of {$350.00} made in XX/XX/XXXX that I did n't pay back. I never made a payday loan on the month in question. When debating on what to do it just so happened my mail carrier had a package for me to sign for he asked me what I was up too I explained to him that I received this phone call stating I owed {$350.00} for a payday loan that I never made and that I was being threatened to be taken to court. He informed me he also got a call similar and that he was going to call them back after work today ( XX/XX/XXXX ) after checking out this company and complaints I called the FBI and they told my to call the FTC and I was connected to the CFPB to report fraud activity and whoever they are they seem to be targeting the XXXX area in XXXX Michigan. How can I stop these activities and is there any legal actions that I can take? I am a XXXX year old man and calls like this made me very nervous and upset. I can only imagine what it could do to other senior citizens who are n't as alert to scams like these. I read of the complaints that were publicized that many senior citizens were threatened to lose there homes. bank accounts etc. And lost thousands of dollars due to scams such as this!
Consumer complaint received 2015-10-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

I have had several different problems dealing with experian. 
Recently, I tried over several days to obtain my free, yearly Experian credit report. I initiated the request on the government website ( ftc? ) and was then directed to another website. 

The problem was that I always received a message stating I could not receive my report.I can not remember the exact wording but received a message stating there was some type of error Eventually, I was able to receive the report BUT I had to access it through the Experian website which I did not want to. 

Also, last year I had difficulty receiving my Experian report. Then, when I tried to obtain my report it falsely stated that I had already received it. 

Finally, in 2015 I receive free credit reporting through Office of Personnel Management ( OPM ) as a victim of the XXXX hackers.The experian information on that XXXX provided website ( myidcare ) contains inaccuracies but I could not dispute them because the Experian dispute form mandates a, report or case number which XXXX does not provide. 
It appears as if experian does not readily provide the mandated free yearly report and makes it impossible to report inaccuracies if those inaccuracies are noted on XXXX.
Consumer complaint received 2016-06-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (MI)

I received a letter from STONELEIGH Recovery Associates claiming I have an unpaid debt of {$250.00} at XXXX XXXX Hospital XXXX in XXXX, XXXX. I live in XXXX and have never been to a hospital in XXXX, so this is obviously not mine.
Consumer complaint received 2015-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

On XXXX Ocwen Loan Servicing applied an " inspection fee '' in the amount of {$13.00} to my mortgage balance. This amount was added to the regular monthly statement on the XXXX statement. 
I phoned Ocwen on XXXX. I spoke with an agent and asked for documentation showing that I had agreed in writing to be liable for this charge. Several letters and many phone calls have been exchanged since my initial call on XXXX. To date, Ocwen has neither provided me with documentation proving that I am liable for this charge, nor have they honored my repeated requests to remove the charge from my account.
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

I need my payment recast after making a large principal payment in XX/XX/XXXX. I called Ditech before making the payment and was told it would be done " automatically ''. It was not, so I called again in late XX/XX/XXXX, and despite a 30 day turnaround requirement for XXXX, I got no reply until I was sent a modfication document in XX/XX/XXXX ( received AFTER the deadline to return it ). In the meantime I have been making the full invoiced payments, but Ditech has put my " funds in suspense '' and I have received weekly harassing phone calls for payment. I finally spoke to a woman who promised to correct the documents ( not accurate, because " they ca n't change the XXXX form '' to use the correct dates ) and I demanded an accounting of how my last three payments have been applied. I am still waiting for that. This is 4 months since the initial principal payment, and they took 2 months to reply after I made an " official '' request for a recalculation. This still has not been done properly -- and in the meantime I have been making my full invoiced payments and have been harassed with collection phone calls about non-payment for funds -- that have been paid and put in " funds in suspense '' by Ditech themselves. I would like to have the recalculation done properly ( with a backup of their calculations ) and a guarantee that all my recent overpayments are applied to principal ; to make sure their math is correct and that they I receive some compensation for their violations of law and abysmal and abusive treatment of me.
Consumer complaint received 2017-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WINN LAW GROUP, APC (CA)

I am writing in regards to a debt collection that is not valid nor mine. 
As a single mother and sole provider for my household, I have worked diligently since XXXX to pay off all debts owed and clean up my credit in order to purchase a home for myself and my daughter. 
I started in XX/XX/XXXX by contacting all my debtors based on my credit report and outstanding debts owed. 
By XXXX I was able to pay off all debts with the exception of my school loan and car payment. I continued on my journey of cleaning up my credit by no longer acquiring credit cards and living by " cash only ''. 
In XX/XX/XXXXI received acknowledgement that I had finally paid off my school loan in full. This was the best day of my life considering how long I had been paying on this school loan and was now only left with my current car payment as my only open credit account. 
In XX/XX/XXXXI started the process of purchasing my own home. I would not have been able to accomplish this with any outstanding debt, collections or judgments against me. In XX/XX/XXXXI was able to purchase my first home and felt fantastic about all of my hard work since XXXX to make this dream come true. 
In the background as all of this was going on, Winn Law Group sent me notice after notice after notice threatening me with debt that was not mine nor owed. I repeatedly told them via phone calls, refusal of mail, and written communication that I did not owe this money and that they were harassing me. They have been relentless in their pursuit and it has escalated now to them trying to garnish my wages. I have provided them with copies of my credit report showing that there is NO DEBT that is outstanding nor owed to any parties. 
The Winn Law group has been aggressive, rude, non-compliant and basically just harassing. They have phished my social security number and will not leave me alone. 
They are now trying to steal over {$6800.00} from me via wage garnishment without cause. I am the sole provider for my household and every penny I earn is budgeted and accounted for. In addition I monitor my credit daily to weekly and any time there is a change I am monitoring it. 
Please help, Winn Law Group needs to be stopped. 
I have included copies of my Credit Reports ( XXXX & XX/XX/XXXX), where I started to where I stand, my payoff letter to my school loan and documents showing Winn Law Group garnishing my wages.
Consumer complaint received 2016-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (SC)

Experian reported a XXXX credit card ( XXXX ) report that in XXXX of 2012, a payment was late. It was not. XXXX do correctly reported that the account was paid in full, and closed, but yet they ( XXXX ) continue to report a fictional late payment, that was timely disputed and resolved. Now, preparing to seek another mortgage, I disputed the matter again per mortgage broker, and Experian " investigated '', but it remains on my report. While not fatal, it does slightly impact my rating, and I have asked that the record be corrected and the entry deleted, but to no avail.
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # # # # # # # # # # # # XXXX XXXX XXXX XXXX # # # # # # # # # # # # 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
Consumer complaint received 2022-02-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (WI)

SunTrust has been actively preventing me from from closing using predatory and abusive behaviour. By preventing me from closing the account by phone SunTrust is also discriminating against me ( ADA act ) as I am currently mobility impaired and can not currently get to a branch. 

I have made over 8 ( yes eighXXXX ) calls and have waited on the phone 30-50 minutes until the line gets disconnected. I can provide phone records. 

Please let me close the account!!!
Consumer complaint received 2018-03-18
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: Mercedes Benz Financial Services (FL)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX, XXXX XXXX, XXXX Re : Account Number XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between name of company XXXX XXXX, Mercedes Benz Financial, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney or sell it to another Creditor without providing proof of the original contract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX