davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-10
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: United Debt Counselors, LLC (AL)

BLUF : This company is using intimidating verbiage to pressure consumers into working with their company. They also falsely claimed they are approved through the FTC, which stated they do not deal with these companies. 

Detailed information : Please see the attached letter that I have received. 

I called the company and they stated that they have approval through the FTC to receive my information from the credit bureaus to send letters to consumers and that their verbiage is also approved. They stated that their information includes any consumer with greater than {$4000.00} XXXX in unsecured credit debt. The company also stated that they negotiate with the credit card companies to pay off balances at up to 40 % off the balance. And they organize a savings account to save up and pay off this amount. The call was possibly recorded by the company, it took place on XXXX XX/XX/2019 around XXXX. 

I did not provide any information to this company. I did not attempt to work with them to settle any debt. I told them I do not have credit card debt with any of the listed banks, especially nothing over {$4000.00}. The employee offered for me to call back and possibly get someone with a working computer, and they could possibly remove me from their contact list. I did not call the company back. 

I found the CFPB after calling the FTC to inquire about their procedures. 

Company information : United Debt Counselors , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2017-02-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (CO)

I am receiving letters and phone calls from collection company over a debt that is not mine. When first received letter I called the company to obtain information on the debt. I told them I was not the person they were trying to collect from. I had never lived at that address and have never had XXXX insurance. The person taking the call said she would remove my name, address, and phone number from the collection. She stated that had sent several letters of collection to everyone in state with the same name. I have since received 4 more calls and have called them twice more each time they have stated that my information will be removed and letters and calls will cease. Again today I have received a call from the collection agency. At this point I am considering it harassment for the continued calls on a debt not incurred by myself. I have received or returned 5 calls to them since collection letter and each time they tell me they are removing my information.
Consumer complaint received 2020-06-01
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. (NJ)

I was a victim of identity theft. I filed a FTC identity theft report on XX/XX/2020. I mailed the documents to Experian on XX/XX/2020 certified mail return receipt requested, tracking XXXX. Listed was the fraudulent accounts with personal information as well. On XX/XX/2020 and XX/XX/2020, the disputes have concluded and accounts remained that were disputed. Those accounts included XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX  and XXXX XXXX  XXXX NJ XXXX. I have a hard time seeing these accounts being verified as I have reached out to the companies individually by mail on XX/XX/2020 and have only received bills. No actual contract that would verify these accounts as accurate. 

I submitted a second request for verification on XX/XX/2020 of these accounts and they were again verified as accurate. Certified mail receipts attached. 

Submitted a third request on XX/XX/2020 and again verified as accurate. Certified mail receipts attached. 

A fourth and final request is being sent certified mail today to Experian before litigation against these fraudulent accounts as they are damaging my credit worthiness. I am requesting that they promptly be deleted or verified with documentation.
Consumer complaint received 2017-02-23
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Allied Collection Services, Inc. (Nevada) (NJ)

I was a XXXX XXXX patient in XXXX when I suffered a XXXX. I was admitted to the hospital and kept 9 days. Ever since I have been discharged, I have had 4 providers billing me directly. My insurance company sent them warning letters for them not to bill me directly, I also emailed them copies of the letter which stated that they are breaking the law by doing that. They also are submitting the bill incorrectly, and one provider just refuses to submit bill to my insurance company despite the supervisor of my insurance company calling them directly. They sent the bill to collections, first one agency and then another. I did not receive any notification other than one call. I did not get a chance to dispute the bill. They also could not provide any info on who they were collecting the debt for. I told them I will not pay until they can provide me with proof on who they are collecting the debt for. A few weeks later, I was sent an email from XXXX that there was a collections notice on my report. I contacted the first agency that was listed on the report ( XXXX.ph : XXXX ), and spoke to XXXX who denied any knowledge of sending my information to the other collection agency, he only stated that they could not collect any debt in XXXX. I then called up the other collection agency on the report ( Allied Collections, XXXX ) and spoke to XXXX, I called up he told me that I had to pay the bill or it will ruin my credit history. Under severe duress, even though my insurance company told me not to pay the bill, I made a payment of {$350.00} on XXXX which included a {$16.00} payment processing fee. I work as a XXXX at a XXXX, and if my credit history is bad, they might not renew my contract. The collection agency promised to send me a receipt within 72 hours, but as of now, they have not sent the receipt even though I have requested that multiple times. The provider who was billing me and not my insurance company is called XXXX phone : XXXX. Because this involves companies in multiple States, I simply do not know who to turn to.
Consumer complaint received 2015-12-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

I made arrangements with Navient to bring my account current and into forbearance. I made a payment of {$240.00} on XXXX XXXX and they stated that another payment would not be due until XXXX XXXX. On XXXX XXXX another payment for {$240.00} was taken out and they are saying it was done through the online payment method. I did not log into that account at any time around that date and did not make that payment. They have agreed to refund the payment within 6 to 10 business days but my account is now overdrawn and they do not want to cover the overdraft fees. Not only am I not able to make current bills because that account is overdrawn, when money does go into it there will be several overdraft fees that will take up that money. Not only am I paying over {$200.00} a month in interest and only a little over {$20.00} is coming off of the principal each month, I am now facing more loss of money because of their screw up. I live paycheck to paycheck it 's not like I can just transfer the money over to cover it.
Consumer complaint received 2016-03-24
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My estate attorney notified me during estate planning that the Registry of Deeds in XXXX XXXX, XXXX did not show a discharge of mortgage. That mortgage was paid off in XXXX. 
Original mortgage was with XXXX XXXX XXXX XXXX ( XXXX, XXXX ), merged with XXXX Bank XXXX, acquired by XXXX XXXX Bank for XXXX XXXX, XXXX XXXX moved to XXXXXXXX XXXX, acquired by XXXX Bank XXXX, acquired by Bank of America XXXX. Request for discharge filed with BOA on XXXX XXXX, XXXX ( Ca. Given an ID # XXXX. Never once contacted by BOA. All followup emails have received no response at all. I requested email contact to XXXXXXXXXXXX for confirmation.
Consumer complaint received 2021-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (NY)

I have been a loyal customer of fidelity visa card for around 8 years. This was my first dispute charge with an office that basically illegally charged my card for about {$400.00} dollars. I filed a claim, and while I received the closing of dispute in 2 months without any questions asked, I did not receive anything else from the company. When I called, I found out that they failed to reach out to the merchant at all and basically pushed everything back on the consumer without any notification. There is no indication in the electronic account and no email. When you call them to try and settle there is no conversation or any attempt to actually resolve or find any solution. This is all a scam to take the money fraudulently from the consumer.
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NV)

I SENT IN THESE LETTERS FROM EACH CREDITOR, DIRECTLY TO EQUIFAX IN XXXX BIG ENVELOPE, THE CREDITORS HAVE ADMITTED TO MAKING ERRORS ON MY REPORT. THE FALSE INQUIRIES WERE SUPPOSE TO HAVE BEEN REMOVED BY NOW AND THEY NEVER HAVE. ITS BEEN WAY OVER 30DAYS NOW.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Synovus Bank (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. 

First Progress Card XXXX XXXX The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. 

The following inquiries are unauthorized, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXX XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent follow-up letters and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and that goes against my rights under the FCRA.
Consumer complaint received 2019-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NJ)

I received a notice from Transworld Systems Inc on XXXX stating that I owed a collection debt from the XXXX XXXX XXXX. I knew nothing about this outstanding violation so I verbally disputed it on XXXXI asked TSI for proof of the debt, I have had an active XXXX XXXX account for many years so I should not have received any toll violations. I did not get a response. As a side bar, I moved on XX/XX/XXXX and all of my mail was not forwarded until XX/XX/XXXX. ( I have proof ... the actual XXXX envelopes with the forwarded date ) In this forwarded mail I received the toll violation notices from the XXXX. I then tried to dispute these fees with the XXXX in XXXX but at this point they were in collection so I was told to contact TSI again. I reached out to TSI on XXXX and spoke to XXXX XXXX. She said that there was no new information regarding my dispute from 4 months ago. This is unacceptable. I paid the actual toll amount to her on the phone of {$8.00}. This collection company can not validate this debt. They are threatening to infere in the renewal of my car 's registration. I asked to speak with her supervisor and was forwarded to a voice mail for XXXX. I should not be required to pay a {$100.00} fee to this collection agency for 3 reasons - I disputed this fee immediately upon receipt of their notice and it's 4 months later and the have not responsed -I had and have an active XXXX XXXX account -I did not receive the XXXX notices in a timely matter due to my move and my mail not being forwarded by the USPS Please assist me in this matter.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ascendium Education Group (NC)

On XX/XX/2018 this collection account was paid by XXXX XXXX has still been reporting as an open collection account on my XXXX report. I would like to know why this account is still reporting open when it is closed on my other two reports. Please investigate this matter I have tried several times reaching out to XXXX XXXX with no response.
Consumer complaint received 2019-02-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Nationwide Title Clearing, Inc. (MN)

XX/XX/XXXX Written Notice/Request for ( Copies And Originals Returned To -Me ) : Documents Filed/Recorded - for XXXX XXXX XXXX , XXXX ( Release ) bearing Date XX/XX/XXXX ( SECOND MORTGAGE ), AND - FIRST MORTGAGE ( RECORDED ) ( Release ) bearing SAME Date XXXX - ANY AND ALL DOCUMENTS, - PLUS- ORIGINALS -ALL-RETURNED TO ME, AS REQUIRED MY LAW WHEN " SATISFIED '' THE " NOTE '' WILL BE MARKED PAID/FULL/SATISFIED AND RETURNED TO " borrower ''. *As of today XX/XX/XXXX = 25 days has past- and still have No response or requested items Returned to me.
Consumer complaint received 2016-10-12
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: First Choice Assets LLC. (OH)

Constantly calling regarding an account I have n't been contacted about since I closed the account. Saying I still owe money and when I asked for a copy of the bill, refused to send it multiple times and then it finally came in the mail. This is a bill from over 4 years ago that I know I had paid and closed after looking over the information. The calls stopped for about a month until today when the supervisor was getting very hostile and basically stating in simpler terms that I 'm being lazy and not wanting to pay the bill all because I 'm not giving them my card information over the phone considering I 've had my information stolen before from a previous card of mine. I 'm sure I 'm not the only person who has had this similar issue with this company. They 're very unprofessional and rude. Coming from a person with a business degree, that 's the perfect example of bad business and is liable for that company to not receive anything due to their attitudes.
Consumer complaint received 2016-10-31
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Pinnacle Financial Group, Inc. (MD)

I purchased a car in XX/XX/2014 XXXX XXXX during the time of purchase I found out the car was register to me and another person in New jersey. I never received the car title of this car. Its states on the car fax report that I never even had the vehicle. DMV states that the car was still registered to someone else in New jersey as well as the XXXX History report. at the time when I bought the car. I had the car for about a year I took it to the shop for repairs I was n't able to get the car out the shop so I car shop I guess sold the car I call to check on the car and the car was no longer their. Pinnacle Finance company is now trying to sue me for the car XXXX dollars explained to them I no longer have the vehicle and I do n't know where it is at this time I am finding out that the car was n't still registered in someone else name of the time I had the car never receive the title. Also the car history does n't even show that I had the car registered in md what can I do please me thanks.
Consumer complaint received 2015-12-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (WI)

Prestige Financial reported falsely on my credit report that I owe {$14000.00}, the car has been repossesed and the amount should reflect the sale of the vehicle and in amount due that is left over as a result. 

Further they continue to harass me via email with false alligations and tactics.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

As of XX/XX/2022, I submitted letters to the credit bureaus in regards to some inaccuracies and unknown information being reported on my credit reports and as of today, XX/XX/2022 I have not received any correspondence from the credit bureaus about these accounts that are affecting my credit reports and scores. It is my understanding according to Section 611 ( a ), it is plainly stated that failure to do an investigation within 30 days this gives a reason to have the accounts immediately removed from my credit reports. 

I am demanding that these accounts be deleted immediately or I will file litigation due to the stress this has caused me. It also appears that my information has been impacted by the Equifax Data Breach and may have gotten into the wrong person 's access.
Consumer complaint received 2017-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (FL)

RE : Credit Protection Association account number XXXX I recently obtained a copy of my XXXX credit report and noticed a collection reported by C.P.A., regarding a {$390.00} ( or an original amount of {$490.00} ) bill to XXXX, from XX/XX/2013. 

In XX/XX/2013 I moved to a new home and made sure the equipment of theirs was returned. The bill was paid in full and as I said, ALL the equipment was returned back to them. 

I disputed the information appearing on my credit history to C.P.A. twice ( on XX/XX/XXXX and XX/XX/XXXX ), but C.P.A. informed the credit bureaus that they had verified this debt as accurate ; verified with who? Based on my recent conversation with XXXX they did n't verify anything with C.P.A. 

I do not owe XXXX any further money ; I ask that C.P.A. remove this collection tradeline from any credit reporting bureau it may be reporting it to ASAP.
Consumer complaint received 2021-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

PORTFOLIO RC XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX has been sending me collection notices in the amount of {$190.00}. The collection has been reported as passed balance due. I do not know this company. I never done business with this company. This company does not have any contact with my signature.
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

Experian refuses to refund charges to my credit card for a membership I canceled 39 minutes after I was notified of it. They continued to bill my credit card for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even after I clearly rejected their membership on XXXX XXXX, 2016. They have denied my claim and my appeal saying I never canceled the membership. Hopefully the attachment showing the e-mail proves my case if it attached correctly. I understand I 'm not the only person having problems with Experian. I think this is how they make their money. They are not honest and upfront. They should be honest and explain in better detail what they are doing or trying to do behind your back. I never logged in or used their services in any way. I ignored all their e-mails and attempts to get me to log in or use their services.
Consumer complaint received 2016-09-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (FL)

Credit card company states I owe them, yet I have proved to them that my credit card bill is paid in full every month. 

The harassment by the credit card company, its representatives and Or agents have been relentless. I sent notices to them certified mail and telephonically that each violation after a certain date would incur a charge for each violation. They agreed and they have the recorded phone conversation along with the certified mailing they signed for. 
To date they now owe me in excess of {$2500.00} for these violations. They actually think it 's a joke. 

I have detailed records available for review.
Consumer complaint received 2016-10-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (FL)

I was admitted to the Hospital on XXXX/XXXX/XXXX. I received a collection letter in XXXX XXXX for {$400.00} for XXXX from collection agency " CMRE Financial Services XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ''. I contacted the agency and told them the hospital had never heard of or had any relationship with this radiology company furthermore all services ( my co-pay ) were paid for before discharge and XXXX XXXX paid the balance in full. I have repeatedly ask for a bill over several months and never received XXXX. This is obviously a fraud and both the collection agency and XXXX are involved. CMRE has placed a collection on my credit and has caused my credit score to drop over XXXX points. We are in the process of obtaining a mortgage and is causing unnecessary cost as far as fees, mortgage rates and explanations. I have without a doubt shown CMRE that no such medical bill exist, but I am sure they already knew that. I need this corrected immediately to prevent extra thousands of dollars in my new mortgage.