davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COAST PROFESSIONAL INC (NJ)

I never owed a debt to XXXX XXXX university. I canceled enrollment way before the refund date and therefore never owed them money. More than a year later I received a call from coast professional to pay the debt which I don't owe. I explained how I didn't owe it to the representative and she agreed to look into it. I never heard back from coast professional after then. Almost 6 months later I received an alert from my credit report saying a derogatory account was added from coast professional. I was given No warning and I was under the impression everything was taken care of. The results have cause credit card to lower limits and raise interest rates. I intend to sue.
Consumer complaint received 2018-09-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (CA)

I was treated by XXXX XXXX for a XXXX issue. I was never told/disclosed any charges during the treatment and was told by the practice that our insurance will " cover '' it. After the treatment, we were sent an unexpectedly huge bill ( $ 1800+ ) for a minor procedure by a nurse practitioner ( not MD or surgeon ). We contested/appealed the charges to the clinic/hospital numerous times. 

Then, at one point ( around XXXX 2017 ), upon our numerous written protests, they sent us a bill for {$120.00} ( only ) and when we called to confirm and pay, we were assured that it was the only outstanding charge on our account. We paid that promptly and assumed that this matter was settled. 

However, a few months later, an {$1800.00} ( appx. ) charge appeared on our account and XXXX started sending bills again. There was no indication of our earlier ( {$120.00} ) payment in the new bill. We have written numerous letters, and provided documentation that we paid ( at least at one point ) all outstanding charges, and that we dispute all other charges, but to no avail. XXXX ultimately turned over the debt to a collections agency ( XXXX XXXX XXXX ) It is our belief that our initial charges were discharged by XXXX XXXX and that they assured us that we only owed {$120.00}, which we paid. We think the re-appearance of appx. $ 1800+ a few months after the account was cleared of any charges is unfair and we no longer should be responsible for charges that were cleared from our account. 

Now debt collection agency ( XXXX XXXX XXXX ) insists that the charges are valid, despite our written assertions otherwise. Thank you for your attention.
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I sent " all items '' regarding this account not being mine due to ID theft. 
So far, I opened these issues with CFPB, XXXX, XXXX, XXXX. Capital One is no longer on my credit, but they still refuse to close this account. 
I want all information I have requested to come to me since you have neglected half of my request and then refuse to close the account with a paid in full. I will keep this up until this can no longer be a financial issue on my part ( total 7 years ) per law. 
You noted in your last reply that " you are unbale to determine that this account was opened without my permission '' is a cop out to XXXX over your customers. Then Capital One refused to provide me will all the information requested including the original application and this is not acceptable. You will receive another complaint every time you reply for several years if needed until this is resolved. I did not open this account, I have no idea who could have, and I am a victim of ID theft. 
Provide me with a paid in full letter to this account and I want this forever away from my credit this includes your frequent selling the id thefted debt to 3rd parties like you have done in the past.
Consumer complaint received 2018-09-29
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. (WA)

I have an item on my credit report from XXXX, XXXX, & Experian that states I have {$290.00} charge for a delinquent account that should be fraud and removed. Also my account with XXXX XXXX should be closed.
Consumer complaint received 2021-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

I PULLED MY CREDIT REPORT AND SAW THAT A COMPANY NAMED JEFFERSON CAPITAL SYSTEMS SAYS I OWE XXXX. I HAVE NEVER HAD A XXXX CARD. I AM ASKING THAT THEY REMOVE IT FROM MY FILE. THE ADDRESS THEY HAVE ON FILE IS NOT MY ADDRESS.
Consumer complaint received 2020-10-23
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. (FL)

Dear Experian/XXXX XXXX  XXXX listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts :
Consumer complaint received 2018-09-29
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. (WA)

I have an item on my credit report from XXXX, Equifax, & XXXX  that states I have {$290.00} charge for a delinquent account that should be fraud and removed. Also my account with XXXX XXXX should be closed.
Consumer complaint received 2024-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CU Alliance, LLC (TX)

I acquired the mortgage in XXXX at which time I made paid XXXX extra payment so each year the mortgage would be be XXXX extra payment on principle. This went on until XXXX when my payments/taxes increased at which time I increased my payment when I got a call from the company saying the payment was short. I continued to make payment over the amount of the mortgage to be applied to principle. In XX/XX/XXXX I spoke to the mortgage company to see the total extra payments made had been added to my principle payment they told me non, They said the money was sitting in a curtailment fund. They said the system didn't realize they payments were extra and should have been added to principle. Also to explain why mortgage insurance/hazard insurance is not added to the XXXX.
Consumer complaint received 2021-03-27
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX There was fraudulent Quick Claim Deed created in my name and the person did not pay the mortgage on time. Therefore, the XXXX XXXX placed late payments on my credit report and started Foreclosure process and would not accept any payments after I became aware of the situation. I have contacted the XXXX XXXX, XXXX, XXXX XXXX TransUnion and made them aware with a previous theft report along with a filed law suit, which I have attach all documents with the compliant. There was not full investigation on behalf of XXXX XXXX, XXXX XXXX TransUnion as XXXX  has " DELETED/BLOCKED '' the account as required BY LAW. 

XXXX XXXX will be held labile for damages for XXXX of XXXX, XXXX of XXXX cause for injure and loss! 

XXXX  and Transunion will be sued for not completing a full investigation, which is required by law! I will hired the attorney that sued XXXX for XXXX XXXX dollars for this " negligence ''!
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

The class action multi state settlement includes my loan repossession I have called XXXX XXXX attorney generals office for both the state I reside and sate I resided at the time. The settlement administrator I get ran through circles and told I just have to wait no timeline given. Currently trying to obtain a mortgage and this is XXXX on my credit. I have been trying to get a resolution for weeks and its so frustrating and disheartening. You try to clean up your credit for going on 3 years now but they dont want you to win you will be charged less money if you get back to where you once was.
Consumer complaint received 2018-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have disputed repeatedly a collection for medical services that are NOT MINE. The collection agency keeps responding stating it is mine, their letter dated XX/XX/XXXX. I sent a certified letter dated XX/XX/XXXX, return receipt received, asking for written verification proving this service was approved and  rendered to me. They replied with a generic letter simply stating the charge was not mine refusing to provide the proof I demanded.
Consumer complaint received 2021-09-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.
Consumer complaint received 2018-09-29
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. (FL)

I have a item on my credit file with Experian, XXXX, XXXX that I am trying to verify that I even owe the debt. The original creditor is : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. The det collector assigned to collect this debt is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX. 
I have sent letters of validation/verification to the original creditor. The first letter was sent non-certified on XX/XX/2018 it was returned. The second letter was sent certified on XX/XX/2018 it was returned and could not be forward. After each letter was returned I disputed this debt with the three main credit bureaus listed above. Each time the credit bureaus would refuse to remove an unverifiable debt. The three credit bureaus would send me paper work stating that the debt is verified as accurate. I have tried to contact the original creditor by US mail to verifie/validate this debt and I can not. By keeping non verifiable information on my credit file is a violation of FCRA.
Consumer complaint received 2019-03-07
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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) $ ( 6,600 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ( XXXX ) XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) ( XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ( XXXX ) XXXX  ( Original Creditor : XXXX XXXX ) ( XXXX ) XXXX ( XXXX )
Consumer complaint received 2021-03-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

Portfolio Recovery Associates, XXXX has been sending me letters with violations to 15 USC 1692. I have enclose letters that I have of Portfolio Recovery Associates, XXXX violating these laws.The laws that they violated were 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), and 15 USC 1692d ( 2 ).
Consumer complaint received 2019-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim. 

Repeated requests to provide methods of accuracy & verification used by Transunion pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (ME)

The mortgage company continues to make it difficult for me to get assistance online and I still can not get into my account online. When I attempt to ask for a new password, I get a message that I need to call ; I 'm then connected with their aggressive collection oriented " customer service ''. These people are combative and abusive in tone and have not been helpful and can not help with a password reset. The company sent me letters asking me to log on for loan assistance and when I tried, I was looped back into the scenario ; get your password, password link does n't work, call " customer service '', get collections people who do not help and tell you to call for help resetting password. These " customer service '' people are not even kept up to date with letters that were sent to me from the company which I tried to seek clarification on. They had no records or copies of letters and had nothing to offer by way of assistance but continued with collection techniques.
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (DC)

Our small nonprofit has checking accounts and a credit card with PNC. Our current credit card charges foreign transaction fees, but PNC offers some cards that do not. In a call with XXXX XXXX on XX/XX/XXXX, XXXX XXXX asked him to find us a card with no foreign transaction fees, and he told me he would get me information by the end of the day. XXXX told him it didn't have to be that day, a week or so would be fine. We never heard back from XXXX on this issue, and on other issues he wouldn't respond unless we forced him too, so we notified PNC and they removed him from our account. In late XXXX and early XXXX we had a series of overseas purchases ( XX/XX/XXXX and XXXX, and XX/XX/XXXX, XXXX, XXXX, and XXXX ) for a training tool we need for our anti-corruption work. These purchases incurred foreign transaction fees because XXXX never got us the new card we asked for, so we were out a total of {$200.00} in foreign transaction fees because of XXXX 's negligence. On XX/XX/XXXX XXXX emailed XXXX and itemized the charges and asked him to reimburse us. He emailed back that he wasn't on our account anymore but would have someone follow up. Later that day XXXX got an email from XXXX XXXX asking to set up a call to discuss our transition to a new business banking manager. He told her we didn't need to have a call because we were taking our business our of PNC so all I needed her to do was get us a refund on the charges. We didn't hear anything for several days so XXXX checked in again on Friday the XXXX and she replied back that she couldn't talk to him, she had to speak to a signer on the account, that being XXXX or XXXX. XXXX gave her permission to work directly with me, and XXXX reminded her that he is also listed as a representative on the account, so XXXX already had permission to handle these dispute issues on behalf of XXXX. Despite this she still refused to deal with XXXX and tried to force XXXX to speak directly with her. XXXX finally spoke with someone at PNC and told them to work directly with XXXX on this issue, and they agreed they would. Despite this, XXXX has still not heard back from PNC regarding the issue. In the attached emails, PNC email XXXX to be exact, you will see that I gave written permission for them to deal with XXXX, but they still refused. Now that I have given them express permission on the phone to deal with XXXX and they agreed, I expect that to happen so we can take care of this issue and move on.
Consumer complaint received 2021-05-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$580.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-08-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG MORTGAGE, INC (TN)

XXXX XXXX was pre-qualified with us at XXXX XXXX. She went to XXXX XXXX to have a new home built in a new neighborhood. XXXX is offering her {$15000.00} in upgrades if she uses one of their preferred lenders, instead of using us at XXXX XXXX. Their preferred lenders are paying them for advertising on the XXXX site and for being one of their preferred lenders. Since customers are receiving something of value ( upgrades ) and these lenders are paying XXXX money for advertising, I believe this constitutes a kick back. The lenders aren't really getting anything from the advertising, but they are getting a ton of business from the thing of value being offered by the builder, which is why they are willing to pay for advertising. Here is the link to their preferred lenders in my local XXXX, TN area : XXXX XXXX XXXX XXXX & XXXX
Consumer complaint received 2021-04-06
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: ALLY FINANCIAL INC. (KY)

I paid off a loan with Ally Bank on XX/XX/XXXX via electronic payment. The funds were immediately taken from my checking account. When reached out to Ally to inquire about receiving a lien release letter, I got no response. I reached out a second time the following day via social media and was told someone would reach out within 24 hours. I still received no response. I then called on Monday, XX/XX/XXXX and was read very vague statements about the process. " It will take about 10 days to process payment '', " it will take about 7 to 10 days to mail the release ''. I reached out on XX/XX/XXXX, which was 10 days after the payment was initiated and spoke to a representative that told me it would be faxed on that day. It did not come on the XXXX, so I called again on the XXXX and spoke to XXXX, a supervisor and was again given vague dates. " Need to wait a couple more days for processing ''. This is a process that takes less than an hour in a branch and I have been waiting nearly two weeks. I have expressed my frustration and keep getting the same response from Ally. I would like specifics on when the release will be sent to me and how ( I prefer fax or email ). I am not given the grace of a range of dates for payments and if someone is 1 day late they are assessed a fee. The same standard should be applied when a contract has been satisfied.
Consumer complaint received 2016-03-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch (TX)

XX/XX/2015 according to First Investors Servicing Corporation I had satisfied the principle lender and paid all the concurrent interest payment that was originally applied to my loan. As statement by one of their representative I was paying off the balance. Through fault of my own because of illness being hospitalized subsequently I have on the principle payment of my loan. the problem is that First Investors is now charging me {$4.00} a day interest payment on the principle balance and I feel that is unfair business practices now I owe {$7000.00} instead of the {$5600.00} I owed XX/XX/2015.
Consumer complaint received 2021-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

this company did not remove 2 account that are over 7 years old from last transaction, each time i dispute, transunion writes to creditor and gets reply and they use that reply date as last transaction and in fact they transaction is responds date from communication from transunion to creditor, these 2 items in question has been charged off over 7 years ago and according to transunion own records and fcra, any account since last transaction over 7 years should be removed or delete, and that is what i asked, i checked with creditor and they have no records on this communication, i asked from transunion a procedure letter on this dispute over 30 day ago and did not get one, since transunion has 2 accounts, charge off account from over 7 years old, and did not sent me procedure letter on dispute, I ASKED FOR THE 2 CHARGE OFF ACCOUNTS, BE DELETED AND REMOVED, ASAP
Consumer complaint received 2021-09-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Kindly I had a car accident on XX/XX/XXXX My car was total loss ( XXXX XXXX XXXX ) My car loan was with Bank of America and I needed to payoff the car I had contacted Bank of America auto loan department many times and there was delay to provide letter of guarantee to my insurance XXXX XXXX I need them to provide my insurance 5is letter to help solve and speed up the process