davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (GA)

On XXXX XXXX, 2017 Phoenix Financial Services placed an account for the amount of {$1800.00} on my credit report in violation of the Fair Credit Reporting Act. Phoenix Financial Services failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Phoenix Financial Services is  attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (SC)

I paid off my Avant card in XXXX early XXXX and it is still showing overlimit on my credit reports. I've contacted the credit card agency directly and they've said numerous times they've fixed it to report the correct balance and they Have Not.
Consumer complaint received 2017-07-31
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)

Hello, I paid off my XXXX XXXX account back on XXXX XXXX, 2017 for a total payment of {$120.00} + a {$3.00} fee = {$120.00}. I submitted the proof of payment in a dispute to Experian on X/XX/2017 and again on X/XX/2017 to remove this item from collections on my credit report. Both times they sent me back a new credit report with the XXXX XXXX account still in collections. This is harming my credit score and I 've paid this account off completely. Thank you, XXXX
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (GA)

I have a card with XXXX XXXX, I am having some financial hardships at this time, due decrease in income, however I am still committed to resolving my debt. I recently made a payment to bring my account current, however my account was closed by the the creditor in XXXX due to my delinquency. I have made payments on my account ( See Pay History attached ) and they still chose to close my account. Now that my account is current, I spoke with customer service who stated that they will not re-open the account. I ask regarding the settlement of the balance, since the closed my account will I be charged interest, and the customer service told me yes. 

I feel that interest on a closed account is financial XXXX. I didn't close the account, they did. While I will resolve the balance, I do not agree with being charged interest on a closed account. I am seeking assistance to settle this matter, because it is wrong. I was also told by the collection department that once my account was current they would wave the late fees. 

I really feel like this is double jeopardy and unfair to me as a consumer. I have maid faif
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2022-03-29
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: Mr. Cooper Group Inc. (PA)

Lates from XXXX and XXXX from Mr Cooper. These lates were added 30 days ago and are incorrect. I have not missed a payment nor been late within the last 7 years. If there is proof please provide proof where this was paid late. Please do not verify this by word of mouth. I want documents, I will be filing a complaint with the cfpb immediately. These lates were not present for 60 days therefore they never existed.
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diverse Funding Associates LLC (NV)

This is in response to : XXXX The document I received does not show that this debt is mine. My name is on the TO envelope but there is no information on the statement itself that shows this is my debt ( no ssn or last 4 digits, etc ). Please provide documentation showing that this debt is owed, for example, the contract that was signed to accept the debt.
Consumer complaint received 2018-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Solomon and Solomon, P.C. (CT)

On XX/XX/XXXX I pulled all three credit reports. Upon reviewing my report there was a number of negative accounts reporting. Two of the accounts were XXXX XXXX ( in  the amounts of {$120.00} and {$310.00} ) and Solomon and Solomon ( collection agency for the aforementioned ). According to the credit reports my last payment to XXXX was XX/XX/XXXX which is legit. I was XXXX overseas in XX/XX/XXXX and at that time informed all creditors to close or place accounts on standby. I also requested final bills if any to be mailed to a alternate address. Since I moved out of the apartment I was renting this account was requested to be closed, following up with a final bill if any. I received all my final bills while XXXX via family with the exception of UI. On my credit report the also waited until XX/XX/XXXX to close the account. At that time I was already in XXXX. I contacted XXXX  as soon as I pulled the report and expressed to them the very words I am writing now to no avail. This was no surprise as I previously had to file a complaint against them for reporting a account on my report that was fraudulent and was proven by furnishing my birth certificate as I was a minor when the account was in use. Nonetheless I thought things could've changed. Moving forward, I contacted Solomon and Solomon as they were representing XXXX to collect the debt. I was unable to reach someone so I left my number. On the same day of realizing I had a debt I wrote Solomon and Solomon a " pay to delete '' letter and sent it certified. On XX/XX/XXXX receive a call from a CSR from Solomon and Solomon stating they received my letter and they agreed with pay to delete, I will just need to pay online. I immediately logged in with the information given to me over the phone and paid the bill. It is now XX/XX/XXXX and they are still reporting on my reports.
Consumer complaint received 2017-08-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonded Business Services, Ltd. (TX)

The Original creditor was an apartment complex named the XXXX XXXX XXXX XXXX, located in XXXX XXXX. The debt was then passed along to Bonded Services without any written notification that I owed them. The debt was then placed on my credit report stating that I owed over {$1900.00}. During the 30 day waiting period to receive my deposit back, I called XXXX XXXX ( manager ) and the receptionist with an updated address and phone number to forward the check. 45 days later, the check nor any type of letter or phone call was sent to the address. After disputing with the new creditor about these questionable practices, they only sent me a copy of the lease contract that I signed upon moving in. There was no letter stating that they had mailed a debt collection letter, attempted a phone call or email of any sort. I am attaching the letter that I sent them on XX/XX/2017 along with additional proof asking them to remove this debt from my credit reports. To date, its still on my credit report. I 'm not looking for sympathy, but I 'm a XXXX veteran who ca n't work, with XXXX defendants and they are preventing me from purchasing a home here in XXXX, TX. While browsing the internet for apt reviews, I noticed a trend with this place. Soldiers who reside at this apartment complex are most commonly denied their money back and charged excessively for notional damages. I lived in this apartment alone for 12 months with no kids and no pets. How does one accumulate {$1900.00} in damages in 12 months? Maybe the Quality of carpet needs to change or someone needs to conduct some sort of property inspection. I 've seen the maintenance guys load a garage with old carpet on numerous occasions. I was even told that they are known to replace a tenants carpet with older carpet to justify the charges. Soldiers are an easy target because once we leave, most likely we will never come back ( military orders ) and could possibly end up overseas or combat. Not only would I like assistance on this matter, but I would like to see this business ' procedure for placing debt on credit reports. Im XXXX  and have all day to write dispute letters. What about the guys who cant or do n't have access to the internet? Thank you for your time
Consumer complaint received 2020-07-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Accounts Recovery Agency Inc. (TX)

I returned call to Account Recovery Agency # XXXX ext XXXX and spoke to XXXX from agency. I advised him to cease and desist calls to my employer since they have left calls at my employment. XXXX got very abusive on the phone and also called me back and left a voicemail on my work phone stating he was going to sue me. I called back with my fianc on the line since she is aware of collections laws since she is a manger for a call center and couldn't believe what I was telling her. She called and told XXXX this was a violation of the CFPB to threaten someone over the phone and on voicemail. XXXX got very ugly and would not let my fianc speak. She was trying to get facts about the debt and XXXX was refusing to provide information. My fianc asked if this was an unsecured debt or secured debt and when was the charge off date and XXXX said your fianc is a debt beat that had plenty of time to pay and since he has refused, he is going to regret it and they are going to pursue legal action. My fianc was blown away with the way the collections agency was speaking to both of us. I am not denying about the debt but couldn't believe the way this collector was speaking to us.
Consumer complaint received 2017-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Contacted XXXX Fraud Management to dispute cell phone account # for amount of XXXX XX/XX/XXXX. Company took my info and said it would be marked as fraudulent. checking credit report today  XX/XX/XXXX and there is a collection opened XX/XX/XXXX ( 4 months ) showing this XXXX account in collection by a collections company XXXX XXXX XXXX. There is no coverage in my area for XXXX cell service. I have been in my home since XX/XX/XXXX and I use XXXX and XXXX service for the last 20years. Seems as if the Credit company and the collections company should do a better job at verifying info before posting it to your credit file.
Consumer complaint received 2022-10-06
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: BARCLAYS BANK DELAWARE (CT)

This is a complaint against Barclaycard regarding their Aviator business card. The sign-up offer included a {$95.00} statement credit after meeting {$2000.00} spend threshold. I met the requirements about 2 months ago and never received my {$95.00} credit. I have been reaching out to them regarding this issue since XX/XX/22. They just open up a ticket every single time and never resolve it.
Consumer complaint received 2022-04-04
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: VEROS CREDIT, LLC. (WA)

My car was involved in an accident on XX/XX/2021. As a result, the vehicle was declared a total loss. As part of the insurance settlement, I decided to retain the vehicle as-is. I retained the now-salvaged car and the XXXX paid me the remainder of the said settlement. 
The vehicle had an outstanding balance with the finance company, Veros Credit. 
The insurance company paid off the vehicle and since I retained the vehicle, I logically became the legal owner of the vehicle. 
After fixing the vehicle, I visited DMV for registering the vehicle to my name, but DMV required an Affidavit in Lieu of Title which would prove the release of interest from the Finance company. 
I have been trying to get the Affidavit in Lieu of Title or any other document proving I am in fact the legal owner and can get the car registered. But Veros credit makes it impossible to get the said docs. They keep me in an infinite loop providing contradicting information. They initially said that they have sent the title to the Insurance company. But it later became clear that the address they sent the title to was my old address where I no longer live. Consequently, I have not received the title. They later said they will re-send the document to the insurance company and it is where I can get it from. But on my final call they said an Affidavit in Lieu of Title is an electronically issues document and can not be mailed in actual copy. 

As a result, now I have a vehicle that was paid off by me but the finance company in reality refuses to assist me and release the title.
Consumer complaint received 2020-05-06
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)

I AM VICTIM OF AN IDENTITY THEFT REPORT, AND I HAVE BEEN CALING AND WRITING TO THE BUREAUS AND TO XXXX  XXXX XXXX DIRECTLY. THE ACCOUNT WAS OPENED FRAUDULENTLY, THE CHARGES ARE FRAUDULENT AND NOW THE ACCOUNT HAS A XXXX BALANCE AND ITS CLOSED, BUT NEVER THE LESS IS A FRAUDULENT ACCOUNT AND IT IS NOT MINE, I HAVE NEVER SEEN THE COLOR OF THAT CARD. WHAT IS THE POINT OF HAVING FEDERAL TRADE COMMSSION OR EVEN THIS ORGANIZATION IF NO ONE EVER CARES WHAT CONSUMERS TELL THEM OR WHAT THEY SAY. THIS XXXX  XXXX XXXX IS NOT MINE, I HAVE NEVER OPENED THE CARD, I HAVE NEVER MADE ANY PAYMENTS, I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORTS.
Consumer complaint received 2020-07-22
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: EQUIFAX, INC. (NY)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2017-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  is blatantly violating fair credit billing practice is at by voluntarily changing date of last payment over and over again so that my guard last payment over and over again so that my card reporting to the credit bureau forever it is shocking how   XXXX   is accepting that the payments were returned see document attached but still  XXXX  reported but still  XXXX  reported to the credit Bureau as paid on time so that my first date of delinquency is moved ahead so it remains on my credit report forever
Consumer complaint received 2017-08-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (MI)

Before I knew my options with debt and my credit afni had harassed me with multiple phone calls. They reported the debt to the credit bureaus which affected my credit in a horrible way. I decided to final give into their harassment and paid the XXXX account on the last phone call we had afni had stated that they understood financial hardship and damage to the credit and said if I paid them it would be removed from my credit. I asked what it took to do that. I was told once payment ( {$100.00}. ) cleared they would request the bureaus to remove it. I was informed as little as 4 weeks but up to 12 to update. So I paid them around XX/XX/XXXX. Only to realize I was lied to. They dont even have the required license in Michigan. 

License # XXXX agency/non-owner manager license XXXX XXXX XXXX XXXX license # XXXX
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (TX)

Received order email from Best Buy for a purchase i did not complete on XX/XX/2021 I called Best Buy on the same date XX/XX/2021 and they advise me that they could not cancel the order, I advise them the purchase was made with a store credit card that is under my name but I did not apply for that card. 

They advised me they would open a fraud case but did not advise me that they would be canceling the order or did not transfer to a department so i can cancel the credit card Order amount : XXXX
Consumer complaint received 2019-08-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Receivables Group, Inc. (NC)

I was looking for a female physician and got an appointment with Dr. XXXX XXXX at XXXX XXXX on XXXX XXXX, 2019. While making the appointment on phone I had asked for her rates. I was informed that the very first, initial visit will be {$260.00}. It will be just a meet-and-greet type event, but NO treatment. Doctor and I will talk and discuss my health, build a relationship/rapport, and then, based on our discussion, the doctor will suggest future treatments and office visits. However, after my visit, they billed me {$390.00} instead of {$260.00}. I spoke with their billing department ( XXXX ) a few times, but no help. They would tell me that the doctor 's office has billed this and they can't do anything. ( The billing department is in a different state, making it inaccessible to patients. Almost impossible to meet a human in person to resolve the matter. Looks like they intentionally wear out a patient into financial " submission. '' ) I also visited the doctor 's office a couple of times, the billing manager there informed me that my " initial meeting '' went over their allotted 15-20 minutes and that's why they billed me {$390.00} instead of {$260.00}. NOBODY ever told me that the " initial visit '' had a time limit. In any event, the doctor herself talked a lot about her immigrant life and her health, without informing me that her talk would extend the time period and I would have to pay for it. Furthermore, it is reasonable for a patient to think that the " initial visit '' WITHOUT any diagnosis would be charged at the flat rate of {$260.00}, and NOT at an unknown random rate based on time count. If my visit had been over in 5 minutes, would they have charged me less than {$260.00}? Of course, not. I have read online that many patients have faced exaggerated bills from this service provider through its parent company -- XXXX XXXX XXXX in XXXX, NC. I tried to resolve this on my own, but now I have received a notice from a collection agency that they have sent this bill for collection. If they had charged me the agreed amount of {$260.00}, then {$300.00} paid by my insurance would result in a credit of {$40.00}. In other words, I would NOT owe anything and would not have to face collection harassment. Their approach to promise something on phone and then bill something else ( while keeping the patient in dark or uninformed ) is a classic example of luring a patient ( kind of entrapment ) by offering a low rate on phone ( without any detail or warnings ) and then giving a sticker shock later. Very shrewd way of fleecing a patient. This is clearly a deceptive and unfair trade practice. Many patients like me would have suffered financially and emotionally by such a cunning way of doing business. Hope CFPB office will look into this nefarious practice. Thanks for all your help.
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IA)

On XX/XX/2019 my bank issued two checks to pay off two credit cards to Sears Mastercard. They were over nighted and received by the company on XX/XX/XXXX, they checked cleared my bank on XX/XX/2019. These are cashiers checks issued from my bank from a home equity loan I was approved for. The bank sent a letter and the checks together in one envelope. I started to enquirer on XX/XX/XXXX as to why I still getting calls that Im delinquent in my payment for these credit cards. On XX/XX/XXXX I was finally told that not enough information to identify my account number was put in the checks. I then faxed over a payment stub for the one account with my full 16 credit card number. This check is for XXXX and I was told it should take 3 to 5 business days for this case. On XX/XX/XXXX I faxed over the other payment stub for my other account in the amount of {$4600.00}. I then called again that Thursday and still nothing and then Friday XX/XX/XXXX I was told I needed the endorsed part of the cashiers check to be faxed over to them so they can see that they did cash the checks. My bank did fax over that information on XX/XX/XXXX. I called today XX/XX/XXXX and the billing person said that she saw the case open on the XXXX. I questioned her because I was told it was open on the XXXX. And then she asked if it was one check for XXXX and I told her no it was 2 different checks equaling over XXXX dollars. I feel that no one has taken responsibility of my case. I get a different person all the time with no direct line to call to ask how things are going. They keep calling me wanting a payment so obviously they are not reading my notes or notifying them that I have a pending payment case. And I am adding up interest fees and late charges and its hurting my credit score. This isnt a small amount of money we are dealing with. I dont understand why they cant see the amounts of the checks to the penny that was cashed in the XXXX and credit my accounts. I am frustrated and feel I am getting the run around. This is sears MasterCard that is backed by citi bank the cashier check # XXXX for amount of XXXX for card number XXXX cashier check # XXXX for {$6200.00} for card number XXXX