davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (MA)

I had been a customer of XXXX for over a decade in the City of XXXX. After raising my rate from {$60.00} per month to over {$120.00} per month I decided to look elsewhere for a cheaper product as I was only using their internet service. 
I called in XXXX XXXX  to cancel my service as I was able to find cheaper service thru XXXX. The representative never mentioned any final charges and when my final bill came it showed a {$200.00} deactivation fee. I called several times from XXXX thru XXXX XXXX  to ask about it and request assistance in removing it as I never signed or agreed to a deactivation fee. 
XXXX would not budge and sent it to a collection agency in XXXX XXXX. I requested more information from the collection agency and they closed my file and issued a letter in XXXX XXXX  indicating that they were not going to pursue the collection. 
To my surprise in XX/XX/XXXX  a company called CCS sent me a letter indicating that they were collecting the debt. 
I requested more information from CCS in XXXX XXXX  and on XX/XX/XXXX, which has not yet provided. All they sent me was a copy of my final bill showing the charges, but nothing showing their cancellation policy or any signed agreements. 
Can you please assist me as I do not believe I am responsible for the {$200.00} deactivation fee as XXXX was not able to offer me a lower rate, and their representative never notified me of the cancellation charge upon cancelling.
Consumer complaint received 2020-09-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted.

FOR Experian 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. XXXX XXXX XXXX XXXX Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted.

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

FOR XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One bank auto system for balances is not going threw and it puts me on hold for 45 min or longer to speak to some one. I don't have 45 min or longer to speak to some one. I want the automatic system. Capital One Bank was paid off in full on XX/XX/2020 I tried to check my balance after paying the balance on the statement and calling to make sure there is a {$0.00} balance.
Consumer complaint received 2020-09-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX  1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted.

FOR XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. XXXX XXXX XXXX XXXX Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted.

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

FOR TransUnion 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.
Consumer complaint received 2021-06-22
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. (NC)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2019-08-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Express Recovery Services, Inc. (UT)

XXXX XXXX repeatedly has shown up to my work, 2 or 3 times in one day. He calls my work 2 or 3 times in one given day. HE has repeatedly called my cell phone. I have since blocked his number so I no longer receive notification of his calls. He had shown up and called my work so many times my office manager told him I no longer worked there in order to get him to stop harassing me at work! Most the time I was not even working and he would continue to call! 
It is has gotten so sever, I am scared every time I leave any place, business, or any where. I am scared to leave that he is following me and that he will cause a scene. I am a single mother of XXXX kids and this man will not leave me alone!
Consumer complaint received 2018-06-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ABR Recovery Services LLC. (FL)

Last year XXXX alerted me to a hit on my report. I contacted ABR Recovery Services LLC and they were unable to provide proof the debt was mine. I am a government cleared person and wanted this matter removed from my bureau ( XXXX  ). The agency personnel put in writing if I paid a reduced amount it would be removed. I paid. Not removed. I have email traffic that this debt was paid and was to be removed from the agency. The only thing that was done was the balance was XXXX out on the report. In XX/XX/XXXX of this year, ANOTHER ABR hit on my report. Original amount and company - a duplicate. I contacted XXXX  and challenged. Ever try to get anything done with XXXX? They told me to contact ABR Recovery. Needless to say, both accounts are still on my report. I emailed the agency and contacts I original dealt with and they replied they would remove both accounts. This has not been done. Neither dates on either of the ABR Recovery reports match, are even close, or have been deleted.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (MA)

NEW RES-SHELLPOINT MTG Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 

The Credit Report Agency did not Deleted after the Bank send Deleted From file as you see thank you.
Consumer complaint received 2018-07-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (RI)

In what appears to be an annual attempt to flout ethical and advised practice, Home Point Financial has again chosen to pay in full local, real property taxes from escrow, as opposed to spreading the escrow on a quarterly basis. For three consecutive years, we as the borrowers have requested in writing that the local property taxes be paid from escrow each quarter, as the tax bill is conveniently designed with quarterly amounts. This would allow for time to replenish the escrow account. Instead, the company has ignored their own previous agreements to do this, choosing to pay the tax bill in full, the same month as the homeowner 's insurance is also paid from escrow, and just before they conduct the annual escrow account projection. This ensures for them that an escrow account containing a significant surplus is sufficiently depleted at the time the company calculates the projected payment for the year, guaranteeing an average increase of between 18 and 24 percent per monthly payment. 

In XX/XX/XXXX, an additional payment, in the amount of {$1800.00} was sent to the Lender with a signed notice that it be applied exclusively to escrow to avoid further payment shock. It was not applied to escrow. 

A letter explaining the hardship caused by a fixed rate mortgage with a perennially surging monthly payment was sent in XX/XX/XXXX. As was a similarly exhaustive explanation of the problem conducted in XX/XX/XXXX. Many hours have been spent attempting to contact and resolve this issue, with good faith solutions proposed by the borrowers to avoid this by simply paying the annual tax burden in quarterly increments. Yet, each year we receive shocking notification of an unexpected and unmanageable increase in monthly payment, impossible to budget for, causing untimely payment and threats of default and foreclosure. 

I am always hesitant to believe malicious intent over the far more likely answer of the path of least resistance to explain why each year Home Point acts as though they have never heard of our cries for relief of this unnecessary practice of depleting escrow as much as possible immediately prior to calculating the next year 's escrow projection. Yet, after three consecutive years of losing sleep over the threats of losing our home, I can no longer believe that this practice is anything other than by design. Property values in our neighborhood are rising quickly and the economy suggests short term investments are more profitable than long term investments. Mortgage interest rates are going up. Therefore, to exploit a loophole in the fixed rate mortgage contract and force a middle-class family from a home in a high real estate value neighborhood inevitably yields a quick profit for a company that has not demonstrated scrupulous behavior.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (KY)

I have filed numerous online disputes with each of the three ( 3 ) Creditor Reporting Agencies ( CRA ) in an attempt to correct errors, inaccuracies and/or incomplete information for my individual credit report issued by each of the CRAs. I have also contacted and communicated with each creditor identified herein in an attempt to resolve the noted issues. 

I have attached a 3-bureau credit report dated XXXX/XXXX/XXXX issued by myFICO.com for reference. Due to the breadth of my issues, I will identify the credit account via reference to the corresponding page number on said report. I will further indicate which CRA I feel is reporting incorrect, inaccurate and/or incomplete information for each identified item. Also attached are four ( 4 ) Advisory Opinions issued by the FTC that i feel are applicable to the items addressed below. 

On page 3, I have a list of five ( 5 ) negative accounts. Two ( 2 ) of those accounts ( Syncb/Amazon XXXX and XXXX XXXX ) had a {$0.00} balance and were always paid by the statement due date while they were open. As outlined in the FTC 's " XXXX XXXX to XXXX ( XXXX ) '', it is the FTC 's view that " it is not a reasonable procedure to label an account that has been XXXX in bankruptcy as 'charged off as bad debt ' if the account was open and not charged off when the consumer filed bankruptcy. The FTC goes on to state " such a designation would be inaccurate or misleading, because it would indicate that the creditor had written off the account at the time of the bankruptcy when in fact it had not done so. '' This is certainly the case with the aforementioned accounts as there was no balance due on either account at the time of filing the Chapter XXXX bankruptcy so, as a result, there was no corresponding amount for the referenced creditors to right off. 

A third account identified as a negative account and charged off includes the XXXX credit card that was a joint account. Although there was a balance due on this account at the time I filed bankruptcy, monthly payments continued to be made by the statement cut-off date both before and following discharge. The account is current as of XXXX/XXXX/XXXX and is absent any late payment during its lifetime. Just in the above referenced cases, the creditor in this case did not write-off the account at the time of bankruptcy and, consequently, the creditor 's reference to the account payment status being anything other than paid/paying as agreed is inaccurate, thereby rendering reference to the account as charged-off incorrect and inaccurate.
Consumer complaint received 2021-01-25
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 XXXX
Consumer complaint received 2017-12-18
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (FL)

I have purchased an appliance on XXXX which was delivered on XXXX XXXX, XXXX. The dishwasher was broken and I been contacting XXXX since then without not resolution. They keep transferring me over to XXXX company and XXXX transferring back to XXXX. no one want to be responsible and replace the dishwasher or refund my money back to XXXX card. Today XXXX been waiting for more than 1hr to talk with a XXXX representative over the phone and still not getting any response. I need help to raised since I received my bill already but I still not having my product.
Consumer complaint received 2023-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (KY)

I have received 23 messages from TrueAccord since XX/XX/22 ( I counted ) Ive received I dont know how many messages and calls from them before XX/XX/22. I have called them before and spoken with them and texted them and discussed that I am not the person whose debt theyre trying to collect. They know I am not the name on the account and they still try to contact me constantly. The name On the account is XXXX XXXX. Thats not me. Theyve said theyll stop contacting me but they always fail to do so.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have written letters to ALL 3 bureaus to REMOVE this Bankruptcy on my credit report, they do not respond. 

I have NEVER FILED any bankruptcy EVER!!!!!!!!!!!
Consumer complaint received 2019-08-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Law Office of Edwin B. Parry (UT)

XXXX XXXX repeatedly has shown up to my work, 2 or 3 times in one day. He calls my work 2 or 3 times in one given day. HE has repeatedly called my cell phone. I have since blocked his number so I no longer receive notification of his calls. He had shown up and called my work so many times my office manager told him I no longer worked there in order to get him to stop harassing me at work! Most the time I was not even working and he would continue to call! 
It is has gotten so sever, I am scared every time I leave any place, business, or any where. I am scared to leave that he is following me and that he will cause a scene. I am a single mother of XXXX kids and this man will not leave me alone!
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (IL)

I have attempted to reach out to the vendor regarding my balances and claims my balances was reported correctly but it is not updated on the 3 reporting agencies yet. I have contact the 3 credit reporting agencies and indicated balances reported have not been updated since XXXX. By my balances not correct is effecting my credit score. Please review and update information.
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Conn's, Inc. (AZ)

XX/XX/2018 called from unknown number indicated that they are " XXXX XXXX   '' advised that they have court documents, but no law suit has been filed with county, company is not located in the same state, the debt is past the statue of limitations to file a law suit.
Consumer complaint received 2018-06-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (NJ)

XXXX XXXX XXXX sent me to a collection agency called XXXX XXXX XXXX. 
I tried several times to resolve this account issue but every time I try to contact the company no one has any notation of my contact and I just keep getting sent and transferred to different extensions and disconnected. Someone used my credit card information to make purchases Without my authorization. XXXX XXXX then transferred my account to an attorney which threatened to sue me for a total of {$840.00}. I called the company and let them know that I am trying to dispute this debt but in order to stop them from moving forward suing me they said they required me to make payment which I did for {$71.00}. The only reason why I made the payment is because I do not want them to send me to court and further damage my credit. I did tell him that in the into room I will be fighting and disputing The charge account.
Consumer complaint received 2019-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I realized XX/XX/2019 my husband had a judgement through Portfolio Recovery Associates LLC on a XXXX XXXX account. I paid the entire debt in full on XX/XX/2019. I have been requesting the associated documentation ever since. I have been told every day that I call it's in processing. I have called 3-10 times a week since XX/XX/2019 to request the satisfaction letter. It took me until XX/XX/2019 to get ANY sort of documentation that showed I paid the debt in full. I have been requesting the judgment be satisfied through the courts to close on a home I am purchasing. I have now filed via XXXX XXXX Court XX/XX/2019 in order to get this paper work I have now been requesting for 4 months.
Consumer complaint received 2018-06-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (GA)

XXXX XXXX XXXX or Attorney representing them lied on a under oath notorized document ( magistrate court of XXXX county ) stating i had only made 1 payment of {$50.00} on a total amount owed of {$880.00}. 

The document then states after my {$50.00} dollars is deducted from the total amount due i owe {$830.00}. Amd now have a XXXX XXXX on Consent and affidavit for judgment civil action case being filed against me. 

I have copies of checks cashed by XXXX XXXX XXXX. I have filed complaints with the XXXX against them. And XXXX XXXX XXXX representative told me my contract for payment was voild back in XX/XX/2017 and i can be sued at any time all because they put my payment on another account.

XXXX XXXX XXXX or their attorny lied about amount owed, how many payments and now im at my wits end.

I stopped making payments in XX/XX/2017 when i quickly relized not only was my contract wrongly voided because of there error but i started being harassed for payments again.
Consumer complaint received 2020-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (NJ)

PNC has made some sort of change and now i am not able to link any of my accounts to my pnc account. when using XXXX  or other services it wont let you connect your pnc account anymore and it is EXTREMELY inconvenient. Please do something to fix this issue as i know thousands of people are having the same problem
Consumer complaint received 2018-07-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have a heloc loan with Bank of America which I was coached into by their employee. I was told this loan was a fixed rate, which its not, at the time I wasnt sure what I was getting into. Now, the payment has doubled and Bank of Americas bank statement doesnt have a separate line in their statements for accrued late fees they build it in to the mometkg payment. As of right now we are just trying to make the minimum payment and its just not right they they are including the accrued {$70.00}  late fee in the monthly payment. I have complained about this numerous times and nothing has been done.