davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (WV)

Hello, I have a XXXX XXXX credit card and they charged me for something I never allowed and do not recognize. 
I mentioned it to them and they said that it was a mistake from them and they will fix it. 
I went to the XXXX XXXX store and spoke to a customer representative and they confirmed that the charge is wiped off. 
To my surprise, I received a debt collection notice with the UCB Reference Number XXXX XXXX 
I can share any documentation if needed to support my position since I have sent several emails to XXXX XXXX.
Consumer complaint received 2020-06-04
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. (AL)

On XX/XX/2020 I opened an investigation to dispute unverified collection accounts reporting on my credit report with the Equifax credit bureau. I disputed XXXX XXXX ( account # XXXX ), XXXX XXXX ( account # XXXX ), and XXXX XXXX ( account # : XXXX ). I Mailed a request for validation to the 3 collection agencies and received nothing from them. I also sent a second validation letter in XXXX and received nothing from the 3 Collection again. XX/XX/2020 I disputed the same 3 collections with Equifax again because the account was deemed verified in XXXX and I receive nothing in the mail about the dispute results or the investigation being open. a second time I received nothing from Equifax in XXXX about the dispute results or that they even started an investigation and I received nothing from the 3 collection agencies after sending a second validation!. So how is it that Equifax was able to verify these accounts? contacting the cfpb to see if they can get Equifax to do a thorough investigation and remove the 3 collection accounts if they are not verified. Thanks
Consumer complaint received 2020-06-03
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. (AL)

I submitted an affidavit and dispute forms, I have been ACCUSED of using a credit repair company. I am already battling with these INACCURATE items that were put on my credit report. These accounts were clearly opened while i was incarcerated. There was a security breach. I demand these fraudulent accounts be removed from my credit report within 30 days. I expect a response about my claim in 10 days. If I dont have a response in 10 days, i will be filing a complaint with The office of the Attorney General.
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Patient Accounting Service Center (MA)

XXXX was sent {$1100.00} in medical debt from XXXX XXXX XXXX on XX/XX/2021. I contacted XXXX XXXX XXXX and was told my account was closed, and to speak with XXXX. 

I sent a letter via certified mail questioning the validity of the debt, and requested all documents pertaining to the debt on XXXX XXXX XXXX within the 30 day period of notification. 

XXXX did not respond to my claim within 30 days of receipt, and as such, the debt should be declared invalid. 

I was sent an additional letter from ARstrat dated for XX/XX/2021, attempting to collect the debt. Im unsure of my recourse here - I will be sending an additional debt validation letter to ARstrat, but the debt should have already been considered void.
Consumer complaint received 2021-11-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Self Financial Inc. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 and 60 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-02-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AR Resources, Inc. (FL) (FL)

I have gotten 7 calls from AR Resources looking for a person who is not authorized to use our phone. I have called them three times and they told me they would take our number off their list. I keep getting calls so started to document. I received a call on XX/XX/XXXX at XXXX XXXX. I called them to report it, spoke with XXXX, who told me she removed it from the list at XXXX XXXX on XX/XX/XXXX. At XXXX XXXX on XX/XX/XXXX I received another call. I called back again, speaking to a very rude XXXX, who said she removed my name from the list. I asked to be connected to a supervisor and she connected me to XXXX, who did not pick up. I left a message asking her to contact me. XXXX told me they were a call center. Please stop the calls - 7 times I've been told I was being taken off the list. After 35 years, I'm considering changing my phone number - that is not right. This is harassment. Thank you.
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

XX/XX/XXXX : Application and deposit of {$500.00} submitted for home mort refi. 
-Terms : 3 % ; no points, no PMI, Close in 30-45 days. 
-Appraisal report contained factual errors and omitted information that placed property significantly below similar units, negatively impacted LVR. 
-Submitted a request for appraisal reconsideration along with supporting info on XX/XX/XXXX ; told it would be a five day turnaround. 
-Communication basically stopped at that point, no response back regarding results of reconsideration or application process updates. 
-Multiple voice mails/E-mails sent from XX/XX/XXXX to XXXX to several AMERISAVE points of contact and customer service With no response re updates. Review posted on XXXX XXXX, call from AMERISAVE on  XX/XX/XXXX. Informed that the reconsideration was denied and told my options would all include significant cost increase ; no report or paperwork sent re the reconsideration denial. 
-Requested deposit refund due to to deceptive practice, appraisal with errors, unacceptable customer service/communication and inability to use my 14 day grace period following a hard credit inquiry to f/u with other companies due to their delays. 
-AMERISAVE Manager XXXX XXXX was rude and condescending and said we dont have any control when I again requested my deposit be refunded. 
-Filed a XXXX complaint against AMERISAVE on XX/XX/XXXX : Case ID:XXXX.
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My account was charged {$150.00} for a money transfer on XX/XX/XXXX that was not authorized. I this was brought to my attention with in 60 days and I called the Bank of America XXXX XXXX XXXX department and was told they would file a claim for this un authorized transaction and they would cancel my card ending in XXXX and mail me a new card. Bank of America indeed did cancel my card ending in XXXX and ordered me a new card ending in XXXX. I was told this was standard protocol and it made sense to me. I was also under the impression that the unauthorized transactions where all in dispute status and I patiently waited for this process. Sometime around late XXXX XX/XX/XXXX, I reached out to the dispute department to get an update on those claims in particular the transaction of {$150.00} from XX/XX/XXXX. I was disappointed to be told that there was no claim filed for this dispute. The representative assured me they would file the claim at that moment and was apologetic because this should had been processed months ago when I contacted. The previous card was cancelled and a new one was ordered. Somehow, this original dispute was overlooked or perhaps ignored. The representative indeed did file the dispute over the phone for me and I received provisional credit on XX/XX/XXXX for {$150.00}. 
To my surprise, I was informed by Bank of America in a letter mailed to my home address that Bank of America will be reversing back {$150.00} from my account on XX/XX/XXXX. The reason they stated was because I had filed the dispute after the 60 day cut off after the transaction date. Bank of America did not give me the opportunity to explain that this should had been taken care of last XX/XX/XXXX. They where fully aware of this because they cancelled my previous card and ordered me a new card on XX/XX/XXXX. Instead they did not take a moment to make a informed decision. This was unprofessional and unethical.
Consumer complaint received 2023-03-20
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: Resurgent Capital Services L.P. (MO)

In accordance with the fair credit reporting Act this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FIRST REPUBLIC BANK (CA)

Loan officer over the phone stated that I did meet their standards to qualify for loan through their credit committee. That I needed to have money in order to borrower money was her words. Credit is over 790, on the job for 17 years no missed payments or issues with my creditors. Words used in describing her reason for verbally denying the application prior to it being submitted. She stated that I did not meet the standards for them to do my loan. I have more money in retirement account and savings than what I was applying for. This type of impact should not be allowed! Is this because I am an XXXX American male! She never asked me about my other savings accounts or retirement accounts. She just kept stating I did not meet their standards. What standards are you referring to that I am not wealthy enough to obtain a loan with your company? Openly overt thinking and impact on my integrity as a person was uncalled for. How is this possible?
Consumer complaint received 2020-06-04
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: CBC Companies, Inc. (FL)

On XX/XX/2020 I notified XXXX  through a dispute ( attached ) about two inquiries from Factual Data and XXXX XXXX XXXX. that I did not recognize and did not authorize. I requested an investigation of this information. I received a response from XXXX  dated XX/XX/2020 ( attached ) which did not address the results of my dispute. I followed up with XXXX  with a letter dated XX/XX/2020 ( attached ) which again requested an investigation of my dispute and which also questioned whether the inquiry companies had permissible purpose to access by consumer report. I received another response from XXXX  dated XX/XX/2020 ( attached ) which was substantially the same response from XX/XX/2020. As far as I can tell, no investigation of my dispute was conducted by XXXX.
Consumer complaint received 2019-10-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Coastal Credit, LLC (FL)

I have a truck loan with Coastal Credit. 
They will not allow me to make my payments online. 
They stated in a reply on my last complaint that it is an option but when I try to pay online I am locked out. They will not resolve this issue no matter how many times I call
Consumer complaint received 2019-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Payment Info Original loan amount {$470.00} Balance {$470.00} Updated on XX/XX/2018 2018
Consumer complaint received 2019-08-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (SC)

I couldn't afford the title loan anymore when my car died at XXXX. I called several times and asked them to collect the car, that I couldn't pay. XXXX at title Max in XXXX keeps calling threatening jail and told me " not to drop the soap ''. They call daily with threats.
Consumer complaint received 2023-03-20
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. (PA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$2800.00}.
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act US DEPT OF ED/XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). The following is a list of the negative items : The inquiry by XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX was not authorized by me. According to the FCRA, credit inquiries must be authorized by the consumer in writing, and I have no record of providing such authorization. Therefore, I request that this inquiry be removed from my credit report. 

The inquiry made by XXXX - XXXXXXXX XXXX on XX/XX/XXXX has reached the statute of limitations. According to the FCRA, credit inquiries that are more than two years old should not be reported on the credit report. Therefore, I request that this inquiry be removed from my credit report.

Similar to item 1, the inquiry by XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX was not authorized by me. As per the FCRA, any credit inquiry not authorized by the consumer must be removed from the credit report. Therefore, I request that this inquiry be removed from my credit report. 

The personal information on my account number, which belongs to XXXX XXXX XXXX in XXXX, CA XXXX, is incorrect. The FCRA requires that all personal information reported in the credit report must be accurate. As this address belongs to someone else, I request that it be removed from my credit report. 

The account number belonging to XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The account number belonging to XXXX XXXX XXXX XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The account number belonging to XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The inquiry made by XXXX XXXX on XX/XX/XXXX was not authorized by me. As per the FCRA, any credit inquiry not authorized by the consumer must be removed from the credit report. Therefore, I request that this inquiry be removed from my credit report. 

In accordance with the FCRA, I request that you investigate and remove the aforementioned negative items from my credit report. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-10-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Section 51.002 of the Texas Property Code had been violated by the foreclosure attorney not sending notice of the sale to the borrower 21 days prior to the schedule foreclosure sale date. The notices must be forwarded to the debtors most recent address as shown by the lenders records. ( The day the notice is postmarked counts as the first day of the required 21. ) The foreclosure attorney has the correct mailing address for the borrower proven by previous certified mailings sent in a timely manner and received by the borrower. 
As of the date of this document NO such notice of sale has been sent to the borrower per Texas property code and therefore the schedule foreclosure sale date of XX/XX/2019 must be set aside and proper notification must be sent to the borrower in the required amount of time.
Consumer complaint received 2018-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MI)

I ordered an item from XXXX XXXX on XX/XX/2017 for {$290.00}. XXXX shipped the item via XXXX   using an unsecure method ( see attached ie no signature required ). The package was either delivered to the wrong house or stolen. Either way I did not receive the item. XXXX refuses to take responsibility and Paypal will not refund my money. 

The attached docs document my case. 

Thank you.
Consumer complaint received 2018-02-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (GA)

On XX/XX/XXXX, Suntrust overdrew an account on which I had declined overdraft protection. The overdraft was caused by a hold being removed and then recharged. Suntrust reworked the order in which charges were approved to find a backdoor way of charging me an overdraft fee ; they reapplied 2 charges against my balance so that the charge which took me over was an ACH charge. I believe this is a systematic scam by Suntrust ( on top of the bank being generally deceptive about overdraft protection ) to punish customers who have declined their ridiculous overdraft protection. 
I gave Suntrust three separate opportunities to reverse their fraudulent charge and they have yet to do so. 
Beyond the horrendous customer service standard this incident portrays, I believe Suntrust is actively engaging in fraudulent activities which target low-balance bank accounts as well as customers who refuse their so-called overdraft protection.
Consumer complaint received 2023-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Receivables Fund Incorporated (GA)

It is reported that I owe {$430.00} which is an open balance on my credit report. I have never received any communication from the debt collector, nor has this debt been validated. Not sure how this debt can be an open account that is reported monthly. I would like this removed from my consumer report as it has been false reporting
Consumer complaint received 2019-10-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This company Portfolio Recovery Service is a nightmare ... You're free to check my credit report, I absolutely pay my bills, but these people are completely unknown to me aside from calling me several times a day ( including before XXXX ) ... They say nothing but I can hear the line is open, I call the number back & all I get is a recording that identifies the caller as Portfolio Recovery Service , which then leads to an endless loop of no information ... This is a business phone they're harassing me on, which of course detracts from my ability to just ignore them, but they're costing me money now and it needs to stop ... This company must have hundreds of phone numbers because they ALWAYS call from a different number EACH & EVERY TIME ... I don't know of any legitimate businesses that wouldn't think a phone number change would be a nightmare ...
Consumer complaint received 2019-10-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XXXX XXXX and XX/XX/2019 this debt was disputed through XXXX, XXXX, and XXXX. The company was also mailed a written letter asking to vaildate the debt with proper documentation and proof. Instead, the company continue to report the debt as unpaid to the credit bureaus. I received a credit card statement from this company in XX/XX/2019 which does not constitute as proper documentation that I owe this debt. The company has failed to provide me accurate proof. Instead I was sent some bogus charges on a piece of paper that was not accurate. I will continue to dispute this debt until the company can provide me the proper documentation required by law. They continue to report this debt to my reports causing serious damage without attempting to collect this debt in writing or by phone prior to reporting.