davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MI)

I fought this medical debt over a emergency XXXX XXXX w/my insurance for 2 years, it is now paid in full by me, but there are several things wrong in the details. 1. This account was NEVER verified EVER with me, I asked for it via dispute XXXX times & received canned response that it was.they claim calling and inquiring about it counts as verification.2.delinquent date is listed as XXXX-XXXX, WHEN I was still in the hosp I was already delinquent? 3. terms are listed as 1 month? there was no terms.4.It lists a high balance for credit limit, being a medical bill there was no credit limit.2.all kinds of extra comments listed,XXXX of the credit agencies even list it as a charge off/repossession, a much worse listing than medical debt.5.All XXXX credit agencies have different dates of first reporting.6. was threatened by XXXX XXXX XXXX after paying the debt that if i contested it further there would be trouble for me, and in fact updated the info on full payment so it now looks like a fresh debt, causing max damage to my scores. 

I would like to know how you can be treated for an unexpected medical bill the same as someone who say runs up a credit card, or defaults on a car note. My other XXXX bills/trade-lines are paid, always are. But because I was sick and needed help that one time I should be punished after the fact, and for 5 more years as well? ( Until 2019 ) In FACT it will cause it to update & cause my score to drop further. Why should a minor medical bill make me unable to have a home loan? How this is fair is not the question, it should be how this is legal is what I want to know. Where is the incentive to get people to pay their bills if they will still be punished regardless of it?
Consumer complaint received 2015-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Convergent Resources, Inc. (VA)

There is a collection XXXX company that claims I owe a past due debt to XXXX however this was reported by another company CONVERGENT SOLUTION of which removed it from my credit report with XXXX on XXXX XXXX 2015. XXXX does n't have any contact information on XXXX.
Consumer complaint received 2015-12-08
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Nelson Cruz & Associates LLC (KS)

Company calling on behalf of a law firm XXXX ... or something like that.. but they wont give out their company 's name ... they are stating they are not a collection agency. They have called 3rd party family members multiple times telling them they will put a lien on our house.They say they are n't violating fair debt act because they are not a collection agency. They are harrassing us and our family though.
Consumer complaint received 2015-10-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Conn's, Inc. (NM)

I have received a letter from a debt collector for conns for a check that my bank was not able to pay at the time it was run thru the original check amount was for XXXX since then this company has tacked on XXXX in extra fees that are not necessary I can see a XXXX fee but XXXX they claim to be with the district attorney I have not received any calls nor collection letters from the original creditor I can attach a copy of the letter I received
Consumer complaint received 2020-11-24
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: Collection Bureau of America Ltd. (NY)

On XXXX. XXXX, 2017, COLLECTION BUREAU OF A add a derogatory mark on my credit report per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA COLLECTION BUREAU OF A has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2016 I sent a letter to XXXX, disputing a alleged account that I do not recognize. The amount was for {$880.00}. Today is now XX/XX/2016 and I have yet to get a response from them disputing my letter. This is in violation of the law for fair reporting. They have taken more than 30 days to furnish proof that the account is mine.
Consumer complaint received 2019-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

On Friday XX/XX/XXXX I was notified by my credit card company that they were closing my account ending in XXXX, with a credit line of {$11000.00} and were dropping my credit line on XXXX from {$30000.00} to {$22000.00}, which was just over my balance of {$21000.00}. As Bank of america are my sole credit cards, this drastically lowered my lines of credit and dropped my utilization score from 53 % utilized to 96 % percent utilized. This will directly impact my credit scores. The account that they closed with a XXXX  balance I have held since the year XX/XX/XXXX. This will also drastically affect my credit score. I did make two late payments on the account recently, with me being unaware that XX/XX/XXXX was late. It was due on the XX/XX/XXXX, which was a weekend and my bill pay did not post it until the XX/XX/XXXX. Bank of America, only allows payment thru there website if you have a bank of america checking account. Thus I have had to use my local banks bill pay which may not be the quickest, but i believe in helping the local economy. XX/XX/XXXX bill was not paid due to oversight but i have since paid it. I dont feel a weekend posting delay and one genuine oversight leads me to have accounts held since XX/XX/XXXX to be such drastcally affect. There has not been a change in my credit recently, in fact i have been paying down balances. In addition I get false information from BOA agents who told me the account is closed, but as of now XX/XX/XXXX i logged into the account ending in XXXX and it appears open? I do not feel this is fair treatment of a customer who has been a loyal customer, with no other credit card banking relationships. I have made them the card of choice due to my longevity with them, in order to not affect my credit scores. This treatment is unfair. If I am such a delinquent, why not have an email or phone call any of my numbers stating I missed a payment. No such calls were made. I truly feel that BOA has drastically affected my credit profile by closing my longest held account unfairly and deceptively, via email on a Friday when I can not contact anyone in that line of business until the next week.
Consumer complaint received 2015-06-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CT)

Hello, Well, I 've been hoping HARP3 will pass, but that wo n't happen. We 've called Wells Fargo & XXXX ( owns our mortgage loan ) and we keep getting the run around. Wells Fargo says to call XXXX, XXXX says they ca n't help us. Our loan is n't with XXXX or XXXX, my husband and I have great credit and we 've paid on time - our house is worth less than what we paid for in 2005. 
After all this time, we still ca n't refinance!
Consumer complaint received 2016-01-26
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: SYNCHRONY FINANCIAL (GA)

I am being sued by XXXX XXXX, XXXX. for a GE Capital/ SYNCB/ Lowes credit account. 

In XX/XX/XXXX I was offered a debit relief settlement over the phone. I was to make the payment on or before the account due date. When I went to make the payment at the store the account was closed. 

The summons from XXXX XXXX, XXXX shows in a statement that the account was closed prior the to the due date. 

Documents presented by XXXX XXXX XXXX do not include any arbitration information for the account and serve to further my claim the account was closed prior to the due date. 

The court date is XX/XX/XXXX.
Consumer complaint received 2023-03-30
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. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated by my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the reports by more than 7 years..

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate..
Consumer complaint received 2016-09-26
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION (OH)

Just got off the phone with XXXX, called to see if I could get on a extended payment plan as stated on the website of the CFSA and under facts and myths about payday lenders on the Check n Go website. I was told that EPPs are not offered in Ohio for online loans, so does this mean they do n't follow Ohio law? I have rolled this XXXX dollar loan over 7 times at a cost of XXXX dollars! When all is paid back I will have paid XXXX dollars for a XXXX dollar loan and they wont work with me at all, only if it goes into default which will cost me bank fees and additional fees with Check n Go. Now I know all will say why did you take loan out in first place? Well I am kinda stuck in a vicious cycle cant get out and I want to badly by doing the right thing and paying it back, just asking for someone to work with me.
Consumer complaint received 2017-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Jones, Robin & Robin, P.C. (GA)

My husband owed a debt to a certain bank which unfortunately we had to stop making payments on because of his financial situation. He is & has been on a fixed income since 2005 ( XXXX, XXXX funding ). He was served a summons of garnishment from a creditor in the county we live in. My complaint, in the state of GA certain funds are exempt from garnishment, XXXX funds just to name a few. Our bank protected his XXXX funds however they did not protect his pension or workers comp deposits from being garnished and this is the only income provided to him to manage, take care of our entire households survival. What I want to know can we sue our bank for not protecting these funds? Thank you.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I sent the credit bureau letters asking them to verify information and accounts on my credit report. They sent me letter back stating that the accounts are verified as accurate. I still have inaccuracies on my report. 

XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, desmoines, IA XXXX, XXXX ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2015-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (NY)

Received a debt collections letter from Enhanced Recovery Company in XX/XX/XXXX stating I owed a debt of {$130.00} from an account that was with XXXX from XX/XX/XXXX. I disputed this via telephone call in XX/XX/XXXX and they said they would mark it as disputed, but it never happened and I never received company statement validating the debt, but the debt was then listed on my consumer credit report.
Consumer complaint received 2024-03-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MS)

I don't recall having a contractual relationship with this collection company TRANSWORLD SYSTEM INC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-02-21
Product: Credit 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: CITIZENS FINANCIAL GROUP, INC. (DE)

My spouse and I have a credit card with Citizens Bank, NA. On XXXX, XXXX, I made a donation to the Shepherd XXXX XXXX XXXX the XXXX XXXX XXXX using my stated Citizens Bank XXXX. I intended to donate {$150.00} ; however, I made a typing error resulting in a donation of {$15000.00}. Plus, I agreed to pay the automatic service fee for the charity which was calculated to be {$300.00}. I immediately recognized my error, trying to correct it through XXXX and Citizens. Citizens XXXXustomer Support said my complaint would be reviewed, On XX/XX/XXXX, my spouse emailed Citizens Dispute Staff after receiving its letter with all of the information it requested to review our complaint. Our information included texts from the donee saying he understood what had happened and how could he help correct the problem. On XX/XX/XXXX, my spouse again emailed Citizens dispute staff to ask why the charge had not been reversed and in response the dispute staff wanted all the original information again. As a result, I wrote the Citizens Corporate staff ( Office of the President ) attaching all the documentation. XXXX XXXX of that staff first called to say he was reviewing the matter and he again called today, XX/XX/XXXX asking for all the information again. Our credit rating has been effected as has the amount of credit available to me. This is unbelievably unacceptable.
Consumer complaint received 2017-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAVALRY INVESTMENTS, LLC (FL)

I am filing a complaint against  Cavalry Portfolio Services, LLC,    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX  NY  XXXX  ( or  XXXX   XXXX   XXXX   XXXX , NY  XXXX  ), which has been harassing me since   XXXX   XXXX   claiming I owe them an amount of {$18000.00} on an account #  XXXX  I never initiated with them. They sent multiple demand letters to me and then notified the credit bureaus of my obligation to them, which is not valid. This has subsequently damaged my credit and prevented me from purchasing a home or obtaining other credit.     On   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   I sent Cavalry certified letters requesting validation of this debt in the form of a contract with my signature showing I entered into an agreement with them. They were initially evasive claiming my request was not clear and then finally provided their version of proof of validation, which were old credit card statements not having any connection to them and therefore is not valid proof of any obligation.     They have inaccurately claimed they treated my request appropriately pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, which states they have the obligation to produce verification of my signature and any documents showing I entered a financial arrangement with them. They have been unable to produce proper documentation and have reported false information to the credit agencies that I owe them this debt and as such are in violation of these laws. I am requesting they cease their attempt to collect a debt I do not owe them and have the credit agencies remove those items from my credit reports immediately.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MA)

I would like to post a statement on my Equifax credit report regarding an adverse report.I have contacted Equifax in writing. My letter was opened, sealed back up and returned to me without comment. I have tried to call them repeatedly and am constantly disconnected without speaking to anyone. There are no instructions as to how to post this statement on their website.
Consumer complaint received 2016-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (OR)

The complaint is against Seterus Inc, " debt collectors and servicers. '' As many as ten times we have sent in extra lump sum payments to be applied to mortgage principal, only. On every occasion Seterus applies the check to regular monthly payments. When we call in to correct the matter, we are kept on the phone as much as 45 costly minutes while they reluctantly handle the matter, and try to assert we did something wrong ( we always write a detailed letter with our check including all requested and relevant info on the check itself ).
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-30
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: Convergent Resources, Inc. (PA)

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 of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2016-08-16
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: FORD MOTOR CREDIT CO. (CA)

When recently purchasing a new XXXX vehicle, I went online to the Ford website and got pre-approved for their financing. The website directed me to print out my pre-approval and take it to the dealership when purchasing the vehicle. When I went to the dealership, I gave them my pre-approval. They made me fill out a whole new credit application even though I questioned why I was being asked all the same questions I had answered online on the Ford website to obtain approval already. They said that they did not have access to that information, even though the Ford site said that the dealership would be able to look up my information and provided a reference number for them to use to access my pre-approval. I believe the dealership ran my credit again unnecessarily.
Consumer complaint received 2016-06-10
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Google Compare Credit Cards Inc. (CA)

This is new information regarding complaint XXXX, XXXX and XXXX. FCC has complaint XXXX, all complaints need to be reviewed due to all responses being conflicting. Google requested i contact them. the last email refereed me to the merchants instead of the bank like usual. I would like the back up from the first complaint attached to this complaint. I also have complaints against XXXX XXXX XXXX, and XXXX all companies have done this and continue to do this at the same time. This is past frustrating! Please help me! 

Google asked me to Repsond to a specific email in their response said I did not respond to it please below find the false statements given by Google for these transactions. I have never received back up to actually show what was ran through the account. By Google responding like they have it shows they are not investigating what was done. I have shown that numerous times. Google is who benifited the monies taken from my account that is not a guess the merchants stated that in writing. It was their charge they bought the app rights and they received monies yet Google wants to confuse this more my sending me to who they listed to contact knowing fully that the merchants do not have the information.
Consumer complaint received 2021-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (NC)

I have received a debt collection notice from Allied International Credit Corp., ( AIC ) which stated I had an ebay balance due with Reference # XXXX. I have not purchased anything from XXXX and I contacted XXXX and the rep confirmed indeed I have no related activity. I logged into my XXXX account, which I had to activate as it was deactivated due to lack of usage. And indeed it shows no activity, no balances owed, no purchases of any kind. I googled AIC and have seen that multiple parties have received the same from this company stating that they have an XXXX balance and that it is also false information. I was warned not to call AIC directly and instead to report it as it was a known issue by XXXX and their legal group was " working on it ''. Amount states that I owe {$380.00} and their information is as follows : Allied International Credit Corp. , ( US ) XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Notice even claims you can sign into the XXXX account to pay the debt, but there is XXXX debt and that is not even how XXXX works.