davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TX)

Company : Credit Collection Services at XXXX XXXX XXXX, XXXX, MA XXXX Contact : XXXX // www.ccspayment.com Credit Collection Services issued a debt collection notice by mail on XX/XX/2019. Mail was received XX/XX/2019. Amount of debt issued : {$98.00} with a memo of : Test ( s ) ordered by [ Recipient doctor 's name ]. Creditor : XXXX XXXX XXXX. 

However, recipient contacted doctor 's office and hospital network to confirm that the original payment was received on XX/XX/2019 for the amount of {$25.00}. Receipts are available upon request. The hospital network that conducted the lab tests and received payment stated that the Credit Collections Services and creditor ( XXXX XXXX XXXX XXXX ) listed were not agencies it recognized or used. 

Doctor 's office also confirmed that full payment was received and suspected a scam. Upon further research, XXXX XXXX , XXXX was breached in XX/XX/2019 and released thousands of patient names, SSN, billing information, etc. It is suspected that this breach allowed personal patient information to be leaked and obtained by Credit Collections Services to impersonate healthcare providers to request overdue balances.

Credit Collection Services also lists : " According to our client [ XXXX XXXX , XXXX ], the above referenced amount is unpaid. As a result your account has been placed with this office for collection. We look forward to working with you to resolve this matter. Thank you. 

FEDERAL LAW : Unless you notify this office within 30 days of receiving this notice that you are dispute the validity of this debt, or any portion thereof, this office will assume the debt is valid. If you notify this office in writing within 30 days from receiving this notice that you disputed the validity of this debt, or any portion thereof, this office will obtain verification of the debt and obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request of this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of original creditor, if different from the current creditor. This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. '' Notice arrived in generic envelope with a QR code. Website and messaging on document only refers to processing payments and no official Credit Collection Services website is available.

Please verify all payments are correct with healthcare provider and sales channel for tests run through third-party groups to avoid paying Credit Collection Services for false debt.
Consumer complaint received 2019-08-21
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: EQUIFAX, INC. (TX)

The following inquiries made by these companies were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX
Consumer complaint received 2020-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TX)

Original debt was from XXXX for switching from XXXX to XXXX from XX/XX/XXXX. XXXX did not pay the ETF as stated. The original amount was roughly {$600.00}. XXXX and the collection agency now states it is double that and reporting it as {$1200.00} owed on my credit report. I have no other collections nor bad debt on my credit. I have no problem paying what I owe but I did not owe {$1200.00}. I finally attempted to settle and was told over the phone that upon paying the settlement of {$370.00} on XX/XX/XXXX with Jefferson. They assured me they would delete upon payment. After disputing with credit bureau they updated the XXXX  report as only reflecting that I simply made a {$370.00} payment and the balance of {$880.00}. When calling them to ask why did they not just tell XXXX  it was paid and settled and to delete as per their verbal agreement they proceeded to tell me that " well a lesser balance owed is going to look better on your report anyway '' NO!! That is not what was agreed upon!!! They even sent a letter to my email stating " payment was made and closed ''.
Consumer complaint received 2018-02-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Rosebud Economic Development Corporation (WI)

I closed on a cash out refinanceXX/XX/XXXX. Checks were made by the title company. Checks were issued only to creditors. Check for XXXX XXXX was XXXX XXXX My payoff was XXXX $ to XXXX. I sent the check priority mail with tracking # XXXX and was delivered to XXXX at XXXX XX/XX/XXXXInstead of paying my loan balance off and returning the overpayment, as several other creditors have done, they took a XXXX $ payment out of my account XX/XX/XXXX. After an hour on the phone with XXXX and several times being placed on hold, I was told " it takes time to process it ''. " we can't accept an overpayment '' " we can't say that we have received it '' and on and on with going around and around in circles. I never got a straight answer.
Consumer complaint received 2018-02-08
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: EQUIFAX, INC. (DE)

I obtained my credit report from Equifax, report confirmation # XXXX and noticed a hard inquiry was recorded on my report from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX submitted on XX/XX/XXXX. I have never applied for credit or a loan through this company. On XX/XX/XXXX, I contacted Equifax to inform them of the incorrect information on my credit report and that I did not apply for credit through this company. The employee, XXXX, informed me that she could not do anything to assist me to have the hard inquiry removed and that it was my responsibility to contact XXXX XXXX to obtain a letter from them verifying I did not apply for credit. She also asked if I contacted the police department to report it. Also, she confirmed it would stay on my credit report for two years until Equifax receives a letter. I asked to have a fraudulent inquiry put on my file to ensure this does not occur again.
Consumer complaint received 2023-01-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

My auto loan was paid in full. Instead of my score increasing, the credit bureaus said I was a liability to Lenders by paying one of my oldest debts off too soon, and therefore my score was actually decreased by XXXX points on Experian and XXXX points with XXXX 
As a consumer I should never be penalized for paying an installment off early considering the high interest rate. 
I never missed one payment and Im falsely penalized for paying my account timely. 
The credit reporting agencies are bias and need to be more closely monitored to combat their inaccuracies and prejudices.
Consumer complaint received 2018-02-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Collections-I, LLC (AZ)

I got a letter from this collection agency XXXX XXXX XXXX the letter state that I owe them a debt for {$250.00} was dated XX/XX/XXXX. They said I must notify this office in writing within 30 days from receiving this notice that if I dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy and mail it to me. I then sent them a certified letter with a signature receipt on XX/XX/XXXX asking them to do so. I request they send me something in writing with my signature verifying that I owe them this debt. I then received another letter from them stating that they got the okay from their client to add this to my credit report again I have not received anything from them but yet I get alert on my email on XX/XX/XXXX telling me a new collection has been added on my credit report. How can they add this to my all my credit report without first sending me something with my signature verifying this is my debt? I feel the company violated my rights under the FDCPA. I have not received any letter from this company to explain or etc and I notice they placed this collection on all 3 bureaus without validation letter. I am going to report this action to Attorney General and the Better Business Bureau today to see if can get this off of all my credit reports. This needs to be resolved immediately as this is majorly affecting my credit scores.
Consumer complaint received 2021-01-30
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. (UT)

Hello my name is XXXX XXXX XXXX thank you for helping me fix my issues with my identity theft problem I've had since XXXX. I've reported my credit report and have had disputed these fraudulent claims that someone else has used my info to gain funicular finicial gain without my knowing. I don't want the person to be imprisoned or hurt I just want my credit report fixed and my numbers back to my own good hard earning works that I deserve. I found out all these problems through experian and here is my birthday XX/XX/XXXX ... ..and Ssn XXXX and my prior address was XXXX XXXX XXXX XXXX XXXX utah XXXX I'm now homeless due to my credit being robbed and I can't get into a apartment please help me so I can get a home I'm on XXXX XXXX XXXX and also have XXXX I'm responsible for bills to be paid when due and any repposponble payments I owe but I can't seem to even get an apartment due to my identity theft on my credit arrrgh ... XXXX Can you please help me everything on my report is identity theft related I have police report numbers and case numbers I have the documents to prove that I've done none of this.. I've even had to the social security office to get my name changed and new social security number which I'm working on ... Anyways thank you for all your help ... my email is XXXX and phone number XXXX ...
Consumer complaint received 2022-10-26
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. (NC)

Hello, my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-01-19
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. (LA)

I HAVE CONTACTED EXPERIAN SEVERAL LETTERS REQUESTING AN INVESTIGATION INTO THIS MATTER, OF LATE PAYMENTS THAT ARE REPORTING ON MY CREDIT REPORT FROM XXXX, EXPERIAN DID NOT INVESTIGATE OR UPDATE THE ACCOUNT, I HAVENT RECEIVED ANY INVESTIGATION LETTER, EMAIL NOR WAS IT MARKED " IN DISPUTE '' ON MY REPORT, THE LATE PAYMENTS ARE STOPPING ME FROM GETTING APPROVED FOR CREDIT.
Consumer complaint received 2018-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (IA)

I set up recurring payments for my final mortgage payments. I set it up for 3 payments. XXXX made 6 payments, the last of which was never returned/rejected by the mortgage company. 

When I contacted customer service, they literally said " Our Technical Team is actually aware of this glitch and they're actively working on resolving it, These payments were actually sent via the electronic method. This means I don't have a way to action them from my end. '' I had to file a complaint with the CFPB to even get a response from the mortgage company, but so far nothing has been resolved. But the fact that my bank can give away my money in error and just not do anything else about it is horrible. If I gave away their money, I would be in jail. 

They made 3 payments in error, I have received 2 back, and they refuse to help with the 3rd one.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I'm trying to put a security freeze on XXXX, Experian, and XXXX. XXXX and XXXX are no issues, they allowed me to put a freeze on the phone. Experian IS AN ISSUE. To put a freeze on them, they want me to mail my address, date of birth, social security number and 2 proofs of address to them. The letter to them is to be titled " Experion ''. If I do this, anyone who sees a letter to " Experon '' could open the letter and see all my personal information and I would be subject to identity theft which is what I'm trying to avoid. Please make them allow a phone freeze like the other 2 agencies. I did not give any of these agencies permission to hold any identity information about me in the first place.
Consumer complaint received 2019-03-15
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. (MO)

Equifax and XXXX are reporting incorrectly a balance due on the XXXX - partial account number XXXX. These items were included in the Chapter XXXX BK. XXXX is reporting this item correctly. This incorrect reporting is harming my credit score.
Consumer complaint received 2022-10-26
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

Default and Opportunity to Cure Template To whom it may concern ; This is in reference to your financial institution response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit XXXX which will be constituting a dispute. 
I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. 
pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ). 
15 USC 6801 - Protection of nonpublic personal information. 
15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair, and deceptive practices that USAA SAVINGGS BANK use against Consumers like myself. 
The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
I am attaching valid proof that your financial institution violated my consumer rights under the provisions of FCRA. I hereby grant USAA SAVINGS BANK, the opportunity to remedy this matter by doing the following things ; Deletion from all consumer reporting agencies Pay as per the attached invoice Respect my Rights as a Consumer Your financial institution USAA SAVINGS BANK, failed to respond to my request regarding the sharing of my nonpublic personal information to nonaffiliated third parties which is an infringement of my Consumer Rights. I will not hesitate to escalate this matter to a Federal Complaint if your financial institutions USAA SAVINGS BANK decide to ignore my request.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: National Consumer Telecom & Utilities Exchange, Inc. (CO)

I received a postcard in the mail stating the following : " This letter is to notify you that within the past twelve months we have at least one report that added negative information to your NCTUE file. If you would like to receive a free disclosure copy of your NCTUE data report, please call toll free XXXX. This is the fastest way to obtain your NCTUE data report. This information may also be found online at www.nctue.com/colorado. '' When I called the phone number on the post card I was asked to enter my social security number! I hung up, went to the website, and called the customer service number listed there, at which point I was able to speak with a human, who proceeded to tell me that they send that post card to everyone and it is just for marketing! This is a ) false advertising by using false scare tactics and b ) potentially fraud, depending on what they planned to do with my social security number had I given it to them!
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I opened a XXXX credit card with Capital one. I made XXXX payments to Capital one which were to a closed capital one account instead of the new account before the problem was caught. I have resolved this multiple times with Capital one with bank statements and i have taken two days off work to go to my bank ( XXXX ) to sit and go through all the money transactions with both XXXX and Capital One. However i keep receiving mailings that this issue is not resolved and the money keeps getting debted out of my account. My bank is frustrated as they have provided all the information to capital via whatever secret backdoor numbers they communicate with while i sat and listened to the entire conversation. This transaction was just reversed again and i am at a loss of where to get this resolved. One payment was {$500.00} and another was {$1500.00}. I have an XXXX XXXX XXXX because i pay my bills but this problem is not getting resolved.
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA (NY)

When will this bank approve me and not closed my account they treat me horrible when I get approved their XXXX fraud department shuts me down immediately its not fair I cant use my card once approved I have applied for a secured card even and they wont approve me their crazy also I asked them they would offer contactless technology on their cards tap pay feature it makes the checkout more convenient as many banks are starting to add this feature next to the chip you tap it instead of inserting the chip its more secure they said they dont know such old technology time for this bank to update their card technology as other us banks
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I called bank of America to replace my credit card on XXXX.And the phone customer service told me the new card would be mailed within ten days, I waited two months, called and he said my credit card account had been closed. Then I called a lot of times to get the problem resolved for me. They said they closed my account because of a misunderstanding. Just the only credit card I have. So I don't have my full credit anymore. Resulting in me not being able to open credit cards anymore.
Consumer complaint received 2022-01-12
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: Experian Information Solutions Inc. (FL)

Per my rights as a consumer under FCRA and Section 15 USC 1681 i did not give permissible purpose nor did I give my written consent for the accounts to be published on my report and as a consumer per federal law the accounts must be removed. The accounts to be removed are as follows
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

XXXX XXXX XXXX ( XXXX ) charged me on my account in error of {$170.00} and employed Diversified Consultant a third party collection agency to retained monies not was not owed. The account was put on my credit reports, which was incorrect. XXXX XXXX, XXXX XXXX XXXX Office of President have submitted several request to have the account removed from my credit reports. Additionally, A refund was sent to me regarding my account and other fees. On XX/XX/, I faxed an official letter for XXXX XXXX XXXX and email correspondence as supporting evidence. On XX/XX/, I called Diversified Consultant to get the account removed and was met with opposition from one of their reps. She admittedly stated that understand that the account was in error and of " NO '' of mine, they would not remove the account.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have requested that my freeze be removed permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX SS XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all SecuritXXXX freezes at once.
Consumer complaint received 2021-08-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Respected Director Kindly dispute and remove this account immediately from my credit report as I tried multiple times to pull it off and I was a victim of identity theft as my car with multiple items and documents were stolen in California XXXX XXXX. Please I urge and request you I am a diligent XXXX  and in crisis to get an apartment before so Im unaware and please remove and dispute this immediately from my report and close it