davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eastern Account Systems of Connecticut, Inc. (NC)

I have been contacted repeatedly by a debt collector under the name of Eastern Account System Of Connecticut attempting to collect a {$79.00} balance on behalf of XXXX. 

Since the latter provides my cable internet service and I have been current on my payments, I checked with them regarding this attempt and they promised to escalate the matter and ensure that no adverse information regarding a collection was placed on my credit history. 

That was several days ago and nothing has changed. 

I have attached a copy of the notice from Eastern Account Systems dated XXXX XXXX. 

I have also attached the latest service bill from XXXX showing my account to be current at the same time period and the only amounts owed being the current monthly balance that was due on XXXX XXXX.
Consumer complaint received 2018-03-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On or about XX/XX/XXXX Portfolio Recovery Associates, LLC., a collection agency and I settled a collection in full. The account was paid completely without a reduction on the principal balance. The amount was in excess of {$18000.00}. During the negotiation, they falsely claimed after the account was paid in full they will remove all records from all three credit agencies. They did with XXXX and XXXX, but not XXXX. This practice creates severe financial hardship and is misleading. I tried to reason with them. They made a false promise.
Consumer complaint received 2016-04-02
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Weber & Olcese, PLC (MI)

this is in reference of the following complaint that i filed on XX/XX/2016 .... XXXX my question still was n't answer ... i stated that the attorney stated they where employee of XXXX XXXX that they are working on there behalf ... they are being mis leading because they are debt collectors trying to collect a debt ... that not mines ... but they want you to think they 're working with XXXX XXXX they why they are coming after defendant.. they said we are representing capital one.. and my question again are they representing XXXX XXXX as they 're they client or they are just debt collector, can they answer that please, and they also said there was no resolution reach at all. but once i told them that was n't my debt, they never respond back to tell me any thing different, as to ask more question they never stop collection of the debt, they proceeded to file a law suit, what happen too the fact that they suppose to hold off on collection for 30 days until they fine out if what i said was true, i should have got a response from them before they decided to file a law suite , so who else can i contact if i want to bring a law suit against them for fair debt violation, and they have a paper with the wrong amount, that does n't match the paper work of the complaint
Consumer complaint received 2024-03-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (AR)

I paid off my vehicle loan with Truist Bank but after they sent me a letter stating the account is paid in full as well as a title to my vehicle, but now they are reporting to the credit bureaus that I still have a balance as well as still mailing me a statement saying I have a balance. Please correct this account with the credit bureaus as well as stop sending me statements that I owe money. Proof of account being paid in full is attached. Thank you.
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (DC)

The DC Department of Unemploymet sent a US Bank Relias Card in the mail for me to activate and deposit my unemployment benefits. The company has not credited a payment of XXXX onto the card, debit it XXXX, XXXX and XXXX for a recurring car payment through the Relias bill pay portal, but none of the payments were received by the car company. The car company says that car payments cant be made with a debit card ; but payments can only be made with an account and routing number. Therefore, several hundreds of dollars are being stolen with the Relias Card .I have submitted a dispute, but have not received a refund.
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have disputed an item on my credit report 3 separate times and provided supporting documentation directly from the collections agency as well as documentation showing XXXX and XXXX have deleted the item. Equifax has not reinvestigated nor have they update the item to reflect the correct status or removed it from my credit report. The dates and details are listed below.XX/XX/XXXX: I ran my Equifax credit report and discovered that I had had an unpaid collection for $XXXX  with XXXX XXXX XXXX XXXX. 

XX/XX/XXXX: I called and paind stalling Financial the full amount plus $XXXX credit card processing fee - this is how the payment appears on my bank statement below:
 (	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX	$XXXX)

XXXX: Requested item be updated as paid collection Conf #XXXX  
XX/XX/XXXX Disputed item Conf XX/XX/XXXX it was verified and not deletedXX/XX/XXXXcalled and disputed item over the phone for reinvestigation conf# XXXX
XX/XX/XXXX: Attempted to fax Equifax supporting documents 5 times and received 5 failed fax messages to the number provided buy the representative over the phone XXXX  
XX/XX/XXXX: Called Equifax to discuss failed fax and was given a different fax number XXXX resent the documents and received fax confirmation that Equifax received supporting documentation fromXXXX  and XXXX credit bureaus 
(fax confirmation below:
XXXXXX/XX/XXXX
to me 

Dear XXXX XXXX

Your fax to Equifax at XXXX has been sent successfully!
Successful delivery of your fax was confirmed at XXXX XXXX Eastern Daylight Time onXX/XX/XXXX
Your fax included 1 page of coversheet with your text and 17 pages of attached documents.

Thank you,
XXXX

(id#XXXX))


XX/XX/XXXX received dispute results for Confirmation #XX/XX/XXXX item was verified and not removedXX/XX/XXXX received dispute results for Confirmation XX/XX/XXXX(generated by the fax I sent in) item was verified and not removed despite sending a letter directly from the company via fax that the item had been paid off.XX/XX/XXXX I attempted to log into my Equifax dispute results and was given a message that said that my social security number was impacted by the security breach that happened during the summer and I was prompted to sign up for XXXX XXXX credit monitoring which I did. I received and email to activate my account but when I attempted to I was told to wait 48 hours

XX/XX/XXXX I ran my credit report via XXXX XXXX and the item remains on my credit report.XX/XX/XXXX: I called Equifax and was told that the item was verified as unpaid and open.
Consumer complaint received 2016-04-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Recovery Management (TN)

XXXX XXXX XXXX Acct # XXXX. This debt has been disputed previously. Fox collections has since re-aged the debt by applying a payment to the account. I have never made a payment to this account either through Fox, or the client. Fox says I made a payment through their client XXXX XXXX XXXX last month for {$50.00} ... This is impossible since the practice has been closed for a few years now, the new practice is not collecting or servicing XXXX XXXX 's debts and XXXX XXXX is deceased and I am disputing this debt. I called and explained to Fox collections that I was making payments to XXXX XXXX and that they accidentally sent this to Fox for collections. Fox created XXXX new accounts for XXXX XXXX : XXXX with acct # XXXX and XXXX with their parent company info for # XXXX each for the same amount of {$190.00} balance. XXXX associates pulled these XXXX erroneous collections back due to their mistake and I received a letter from Fox stating they would be removed and XXXX XXXX was. Now the XXXX XXXX XXXX account # XXXX is showing a payment.I have not completed my validation of this debt and have never made a payment on it. Fox refuses to correct this issue and to contact XXXX associates to verify. I believe that Fox is attempting to re-age an old collection, which is illegal reporting.
Consumer complaint received 2021-09-07
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. (TX)

I was a victim of identity theft when I was XXXX  in a XXXX XXXX. I have struggled with XXXX XXXX and when I am XXXX  my information is compromised. My information has been compromised in these bureuas security breeches and the they fail to fully validate information and refuse to remove these items from my report, Instead the keep updated the system as open accounts when they have been paid and the file closed
Consumer complaint received 2018-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I had an overdrawn account I paid all the fees after my account was closed. Years later it shows back up that I owe Bank of America and I am on several checking accounts for organizations and it had to be cleared. So I was told by bank officer that it doesn't show paid so I paid again to clear my name {$380.00} the bank ripped me off.
Consumer complaint received 2016-01-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Recovery Management (TN)

I was hospitalized XX/XX/XXXX. There was a bill for XXXX XXXX XXXX in the amount of {$36.00}. That was paid on XX/XX/XXXX and posted to my account on XX/XX/XXXX. I first learned of this deby when applying for a home loan. I have contacted XXXX XXXX numerous times to let them know that this was not accurate and to please verifiy the balance with the client. Fox Collection refused and failed to follow up and thus knowingly continued to report negative items to the credit bureaus. They said that I had to submit proof of payment I finally had to reach out to XXXX XXXX XXXX and have them reach out to settle the matter. Unfortunately this does not erase the 8 months of a negative collection on my credit reports that was an error to begin with. Fox Collection Company displayed blatant disregard in handling my account. I have spoken to numerous account reps and even left voicemails to the Collections Manager that went unreturned. Unfortunately Fox Collections was wrong when they stated that is was my responsibility to prove the debt was not accurate. In fact I have recently learned that its their responsibility to verify the validity of the debt. At no point have I ever recieved a letter regarding this debt. I would assume that they have the wrong address however despite numerous conversations no one asked me to verify my mailing address. Due to Fox Collections reporting this negative and false collection to credit bureaus this has caused me many issues as a collection looks really bad and lowers my scores and this has even affected my homeowners insurance and car insurance rates as they do look at credit factors.
Consumer complaint received 2016-07-17
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (VA)

I am in the mortgage business and do things the right way. I hate those that play gimmicks and games with people. But this is another time when Quicken doing things that not only appear shady and unethical but against the code. Attaching a few pieces need to get explored. How are they taking from XXXX and posting that as a credit when there is nothing anywhere to suggest they can do that. That maybe is somehow acceptable, I just can not find it The part I am mostly hung up on is how are they breaking all code and FHA Streamline rules in giving back cash out to apply to closing costs. FHA Streamline is abundantly clear in every channel there is not a cash out option. How are they able to show there cost illustrations with cash out to cover closing costs? Seems illegal to me
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

I have XXXX Judgements on my Equifax report. XXXX and XXXX already investigated and deleted months ago. Equifax claims to have completed and verified the investigation however, I have documentation from the courts these cases have been dismissed and or vacated. I have sent this documentation to equifax on more than one occasion and they refuse to properly investigate. I have also sent a letter from the courts stating they do not and have never reported any information to any of the credit bureaus. Equifax is getting their information from somewhere else. I want this resolved as well as reported to the FTC in regards to Equifax not investigating and refusing to remove items that were not ever reported to them by the courts. I want them to pay fees for breaking federal laws and false reporting
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Asset Management Outsourcing, Inc. (FL)

XXXX is reporting false information to my credit file. A collection agency : XXXX XXXX XXXX agreed in writing on this data base to remove all Collections from my credit reports and they have done so except for XXXX. When I asked them about it they said to contact XXXX but I have and have gotten nowhere. I want this Collection removed XXXX. Also I am a victim of the XXXX breach and wanted to extend my freeze and you denied me.
Consumer complaint received 2015-11-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (WA)

I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XXXX/XXXX/15 on EXPERIAN. I did not authorized anyone employed by this company or at this company or EXPERIAN to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that EXPERIAN remove the unauthorized and fraudulent hard credit inquiry immediately from my EXPERIAN credit file.
Consumer complaint received 2017-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (TX)

I need to bring to attention a problem with a credit card at Chase. They offered a interest free promotional period that ended on XX/XX/XXXX. Their tactic was deceptive and I was mis informed about what amount exactly was due. They have 2 amounts due on the statement.

The interest free promotional period ended on XX/XX/XXXX however my billing cycle ended on XX/XX/XXXX. I even CALLED into Chase to verify exactly how much I needed to pay to avoid an interest fee and they said that if I paid off the balance I would be fine.

My balance owed by XX/XX/XXXX was XXXX. I paid XXXX on XX/XX/XXXX. I called Chase and spoke to XXXX XXXX to remove the finance charge because no where on the statements did it say that I had to pay anything other than XXXX. 

There is a tiny tiny amount on my statement at the VERY END and bottom in very tiny print that says I owe a DIFFERENT amount by XX/XX/XXXX. This practice of having 2 amounts that are due at different times in different locations on the statement in small print at the bottom is deceptive. I even called to verify because it was so confusing. This information should have been at the top of the statement in bold print but the reason why it is n't is because it is conflicting and says two different amounts!
Consumer complaint received 2021-09-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Bureau Associates (TN)

I submitted a complaint against this debt collector on XX/XX/2021 and they replied on XX/XX/2021 stating that they are not the appropriate company to address my issue. 
Let me very clear. This is definitely the company I need to be addressing my issue with and by this second complaint against CBA Macon to the CFPB, I am building my case to use against them and the hospital that sold this information to them. This is a CLEAR HIPPA violation! I have the full medical records showing EVERY detail of the patient which is a PHI violation as well. Not only did they send me the full detailed medical record, but they sent no explanation as to why they believe they have a right to report this on my credit without having valid evidence. Now they are lying and saying they are not the company to deal with my issue. If CBA Macon does not IMMEDIATELY remove this reporting from my credit until they can PROVE that they 1 ) Have a HIPPA waiver signed by me and 2 ) that they have a right to collect on this debt and 3 ) that I am the person whom they are damaging their credit worthiness without even sending me information that they were going to XXXX up my credit. I will be turning this matter over to my lawyer and handle this matter in court and not only will I bring charges against the original creditor, but CBA Macon as well. This is my final attempt to get a reply that this matter will be handled and they will do the right thing by removing this information from my credit reports, or the next step will be to turn EVERYTHING over to my lawyer, including the medical records they sent me. 
Also, thank you CFPB for turning this matter over to the FTC. I will be pursuing this matter all the way.
Consumer complaint received 2017-12-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (TX)

CONN'S APPLIANCE HAS RECEIVED ALL THEIR MERCHANDISE FROM ME. CONN'S TOLD ME THAT WHEN THEY PICK UP THE MERCHANDISE THAT THEY WILL ACTION OFF ALL MERCHANDISE AND THAT I WOULD HAVE TO PAY THE REMINDER BALANCE ON THE ACCOUNTS. ONE OF THEIR EMPLOYEES THAT CAME AND PICKED UP MY MERCHANDISE STATED THAT CONN'S DOES NOT REALLY ACTION OFF MERCHANDISE THEY JUST THROW IT AWAY AND SAY YOU OWE THIS CERTAIN AMOUNT. SO I HAVE REQUESTED CONN'S TO SEND ME THE INFORMATION SHOWING THE AMOUNT THAT THE MERCHANDISE WAS SOLD FOR AND THE REMINDER AMOUNT THAT IS LEFT BUT THEY HAVE BEEN UNABLE TO PROVIDE THAT INFORMATION. THEY ALSO ARE REPORTING TO DIFFERENT LATE ACCOUNTS. ONE IS SHOWING AS REPOSSESSION ACCT#XXXX AND THE OTHER ACCOUNT IS SHOWING CHARGED OFF AS BAD DEBT ACCT#XXXX. THESE ACCOUNTS ARE REPORTING INCORRECTLY I HAVE TRIED TO CORRECT THIS WITH THE COMPANY BUT THEY WILL NOT WORK WITH. I'M ASKING THAT THE CORRECT INFORMATION BE PROVIDED OR EITHER ALL ACCOUNTS BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

I take advantage of XXXX yearly. When I applied for a home loan through XXXX in XXXX what I'm about to list wasn't on my credit report. When the final credit check was done in XXXX, XXXX six fraudulent student loan accounts were appearing on XXXX, Equifax, and two on XXXX. The six on XXXX and Equifax were created by XXXX XXXX. The two on XXXX were created by XXXX XXXX XXXX. The dates and amounts that are listed on my credit report are false. I had stopped attending school in XXXX due to a XXXX caused by an automobile accident. I had a student loan with XXXX XXXX in XXXX. This loan was paid off. The following are the six accounts by XXXX XXXX on my credit report : 1.Open XX/XX/XXXX Amount {$8500.00}. 2. Open XX/XX/XXXX Amount {$6300.00}. 3. Open XX/XX/XXXX Amount {$4700.00}. 4. Open XX/XX/XXXX Amount {$4700.00}. 5. Open XX/XX/XXXX Amount {$3600.00}. 6. Open XX/XX/XXXX Amount {$920.00}. 7.Open XX/XX/XXXX Amount {$3700.00}. 8. Open XX/XX/XXXX Amount {$1200.00}. 
Number Three and Four are the same amounts, but have different account numbers on credit report. Number Seven and Eight have had disputes filed in XXXX, but continue to remain on report. Numbers 1-6 are XXXX XXXX accounts falsely created and Numbers 7-8 are XXXX XXXX XXXX.
Consumer complaint received 2017-10-02
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : A system error has resulted in a negative credit report that I hope to get amended. 
I leased my car in XX/XX/XXXX and was making timely payments through XXXX ' own online auto-pay function. All payments were credited on time with no issue. An internal error resulted in two payments being pulled for XX/XX/XXXX. Subsequently, I suspended the XX/XX/XXXX payment. A second internal error cancelled the auto-payment function with NO notification. As you can imagine after 2+ years  of automatic payments, I did not check. There was absolutely no email, phone or written contact by XXXX. 

XX/XX/XXXX I received the first contact from XXXX that my payments were now late. Immediately the balance was cancelled and set up to date. Unfortunately, despite not receiving a call, email or letter prior to this my credit report was negatively impacted. I reached out directly to XXXX to attempt to clarify the situation but they were no help. 

Once my records are reviewed you will notice I have worked very diligently to make timely and responsible payments and maintain a clean credit report. I am aware that there are individuals that intentionally miss payments and try to manipulate the system. I would not be wasting my time or your if this were the case. Please remove this negative report from by credit score as I should not be faulted for a system error.