davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

My complaint is about a rewards program offered by XXXX XXXX through Capital One. 

I received an email saying I would get 4 % cash rewards on all grocery purchases on my XXXX XXXX XXXX ( an account I already had ). The succeeding month all my purchases on the card were groceries but my rewards balance was only 1.9 %. I checked my online access to determine how rewards are calculated, but there was no detail of which purchases received what percentages. I would never have used this card had I not been promised these lucrative cash rewards of 4 %, so I believe this is a very misleading advertising.
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (KY)

I went through the help of a debt consolidation company, XXXX XXXX to help with the overwhelming debt I incurred over the years. The payments went smooth and everything was paid on time. My XXXX mega group account was from original balance of {$2700.00} to the settlement amount of {$1000.00}, and was paid off and resolved in XXXX of XXXX. That account was taken out in XXXX of XXXX. Starting in XXXX I started getting letters in the mail that the account was charged off and sent to a collections agency. I've disputed the information and requested a payoff letter from XXXX to which they have never provided. I disputed it with LVNV Funding and Resurgent where the collection letters came from. They said that my information wasn't enough to prove that it was paid off when I have the literal receipts of payment. This is putting my livelihood at jeopardy because I'm not able to do things that a credit check is needed for.
Consumer complaint received 2022-11-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KeyBridge Medical Revenue Management (MI)

During a previous ER visit and getting test done XXXX failed to submit ALL the required paperwork to my insurance provider. I finally tracked down what the insurance company was looking for and ensured they received the proper form. They reprocessed the claim and paid what was allowed. Then yesterday I received a letter from KeyBridge collection agency stating I still owed {$67.00} which I don't feel is correct. I've already paid out of pocket over {$800.00} for this same claim and would like to know why they are still seeking more payment???
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

My name is XXXX XXXX. XX/XX/XXXX I made a deposit {$500.00} personal check thru atm machine at US Bank in XXXX XXXX Mo. Deposit made. The machine asked if I wanted a receipt. I said yes. Then the machine went offline and the machine kept my card and the check. My wife went on your app and locked the card and called the bank and spoke to XXXX on XX/XX/XXXX and was told to come by the bank that afternoon to pick up the card. XXXX was going to cancel the atm transaction and redeposit the check. I was unable to get to the bank that day so I went thru the drive thru on XX/XX/XXXX. I was told XXXX called in sick with my card locked in her desk. I asked the bank to call me the next day to make sure I could get my card. No one called so again I went thru the drive thru. Was told XXXX called in sick again. I asked for a temporary card. On the XXXX the funds were available. I went out of town on the XXXX and when I checked my account that evening, my account showed a {$500.00} withdrawal. I did not withdrawal {$500.00}. Monday the XXXX, my wife called the bank to speak to XXXX and was told she was on vacation. XXXX said someone withdrew the funds. XXXX told my wife that XXXX made a claim for lost deposit. I came home from work with a letter in the mail from US Bank so I called the 24 hour service. I explained my situation. The woman put me on hold to call the branch. The woman came back on the phone and said she tried to call the bank numerous times but someone kept hanging up on her. She said I will try calling again. She came back on the phone and said they don't know what happened and XXXX left at noon. She said call XXXX tomorrow and if no resolution, call us back. So today, XX/XX/XXXX, I called and XXXX said someone withdrew the {$500.00} from and atm machine. I told her that my card allows a {$300.00} limit at the atm. I asked if they take a picture of the person using the atm. She said yes. I asked to see that. Was told no. I asked why haven't you looked. My card is still locked up and the card is locked. No one is looking at the atm pictures. I still have no funds. This is very frustrating. What is my recourse?
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Insta-Credit Auto Mart, Inc. dba InstaCredit Automart (IL)

I have a car loan showing on my credit report as " in good standing ''. I have tried multiple times to dispute this account through transunion since XXXX. This auto loan was closed back in XX/XX/XXXXdue to repossession. The original creditor refuses to update the information causing me to be unable to obtain a car loan.
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Citi Bank Litigation Support Unit To whom it may concern, My name is XXXX XXXX. My Citi Bank checking account number is XXXX. Sometime between the end of XX/XX/2021 and the beginning of XX/XX/2021 my account was restrained. Upon calling I was informed it was restrained due to a request by child support enforcement. As I am currently in disputes with that matter in family court, I chose to take no action at the advice of my attorney and allowed the process to take its course. My account was released and on XX/XX/2021 a debit in the amount of {$660.00} was taken from my account and said to be routed to Child Support Enforcement. This amount more than doubled the debt in question of {$300.00}. However I understand the judgment process so I have no issue regarding the amount taken. My issue which is far more urgent and frankly devastating at this point, is that Child Support Enforcement never received the payment. This has resulted in my license being suspended and them sending another request as of XX/XX/2021. Such actions have resulted in loss of wages due to my inability to operate a motor vehicle, putting my business at risk. We are already in very trying times and I would hate to lose my business to a chain of events caused by my banks mishandling of such a serious matter. I am distraught and as a provider this puts me in concern for my families future. I am a XXXX man in America I can not risk a encounter with police for operating my vehicle with a suspended license it could cost me my life. I have been trying to resolve this matter for almost two weeks and I think it is insane that I have to continue to fax letters in hopes that someone will get back to me. There should be a more appropriate channel for such urgent matters. This is my last attempt before taking legal action and reporting this to the Consumer Financial Protection Bureau. My debt is now at {$390.00} it has Accrued a additional {$90.00} since the money was taken from my account over a month ago. Which is crazy because Citi Bank took {$660.00}. But my most prevalent issue is my inability to provide for my family without risking my freedom and possibly my life due to Citi Banks mishandling of the situation. To date I have lost {$3000.00} in wages and continue to lose business that will result in larger potential losses over time. If legal action is required to resolve this matter I will be seeking compensation for all loses caused by this negligence. As well as the trauma it has caused my family. I have made numerous attempts and have been told all I can do is fax and wait for someone to get back to me. Be advised this is my second fax and I pray it reaches someone with compassion and understanding. All I want is this nightmare behind me so I can continue with my life. I can be reached at ( XXX ) XXX-XXXX or ( XXX ) XXX-XXXX or emailed at XXXX Thank you
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and I found a late payments reporting 90 days late from XX/XX/2019. 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 2021-04-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX has been on my credit report for over 7 years. This should have been removed. I have disputed it several times an no results.
Consumer complaint received 2021-04-01
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. (GA)

In XXXX, I sent the bureaus a letter about disputing incorrect information on my credit report. I haven't heard from them in a month so I sent them 2-4 more letters in XXXX and XXXX to have that information verified and proof that those are mine. Up to this date, I haven't gotten a response from them and I know that according to the FCRA this is a violation of my rights and they have to respond within 60 days after they received my letter. I take my credit seriously and will do the necessary legal actions if this is not solved as soon as possible.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I have requested many times that these 2 accounts have been reported for over 7 years now and they are still on my credit file, Experian has wrong information provided to them as the other 2 credit reporting agencies have deleted these items already. also I have a collection for one of these accounts on my Experian credit file scheduled to be deleted by XX/XX/XXXX. so the fact that the the original account is still showing on my file doesn't make sense as they should both only be on my credit file by law 7 years from the original date of first delinquency, but according to Experian the collection account will fall off by XX/XX/XXXX and the original account wont come off until XXXX of XXXX that doesnt make sense at all so there is something wrong and misreported on my file in which they need to be removed, but Experian continues to say these accounts are verified time after time. 

the accounts in question are XXXX XXXX XXXX account number XXXX date opened XX/XX/XXXX XXXX XXXX account number XXXX date opened XX/XX/XXXX as stated before the XXXX XXXX XXXX account has a collection account scheduled to be deleted by XX/XX/XXXX while the original account will still show on my credit file.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I've been working with Equifax over the past few months in an attempt to rectify identity theft related items on my credit report. During this process, they placed a Fraud Alert on my credit without my consent, and now, for whatever reason, I am no longer able to see my updated credit score via the my.equifax.com site OR sites like XXXX XXXX, etc. I filed a request to have this block removed weeks ago and no action has been taken. Most recently when calling, I was told by them that it wasn't their fault and there was nothing I could do but wait. 

To add insult to injury, I pay Equifax to get a daily score that has been frozen since XX/XX/29 This has caused me damage as I try to accurately monitor my credit for future identity theft, as well as prepare to buy my first home. To be safe, I have emailed Equifax and all credit bureaus a request to remove any fraud alerts from my account.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have reported multiple times to all Credit Reporting Companies XXXX XXXX, XXXX, and TransUnion ) that XXXX  Account # XXXX has me late 60 days XXXX XXXX, 90 days XX/XX/XXXX, and 120 days XX/XX/XXXX. I was in forbearance from XX/XX/XXXX through XXXX Therefore, I should not be reported delinquent. I submitted multiple disputes through the credit reporting documents with the forbearance letter, and it still reporting late because XXXX keeps saying all records are correct. In addition to disputing with the Credit Reporting Companies, I sent a letter to XXXX and no changes.
Consumer complaint received 2021-04-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: GATEWAY FIRST BANK (TX)

Gateway mortgage has and continues to maintain to recklessly disregarded HUD guidelines as well as violate federal law under XXXX to avoid providing the best relief available for this borrower under HUD guidelines. In spite of the fact that this loan is insured by FHA Gateway has insisted that the borrower can not add his wife to the application unless he provides proof that they are legally married which is in direct violation of ECOA. Gateway also refused to reconsider the wife 's income after Gateway acknowledged it would use it once we provided proof of her continued employment which we did. Gateway refused to provide the reason for denial until after we contacted HUD that compelled them to release it. Gateway offered the borrower, under duress, a covid partial claim if he provided a letter saying that his income was effected by the pandemic. The letter he provided said his wife 's income was effected not his. The offer did not reduce his payments in fact they went up. The borrower 's interest rate remains above 6 % and he has an escrow shortage in excess of {$10000.00} that has not been cured. We have spoken with XXXX XXXX, loss mitigation mgr, who appears to be the most inept, uninformed, untrained manager we have ever encountered and definitely needs to go back to some remedial training because the terms he was using XXXX HUD assumption ) have been outdated for decades. This is the 3rd complaint we have submitted through CFPB. There is currently an open HUD file as well. I sincerely hope the new administration will take more of an enforcement approach to resolve the inequities for this borrower.
Consumer complaint received 2021-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

On XXXX I received a letter from this collection agency in response to a debt validation letter I sent. This letter that I received from the collection agency had my personal medical records attached. I did not sign a HIPAA form authorizing this collection agency to access my medical records. This company is also reporting these items that violate HIPAA on my credit report and I truly feel distress. Please delete this information from my credit file and cease all collection activities immediately.
Consumer complaint received 2021-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc. (AZ)

We ended up owing our old apartment complex money, XXXX XXXX, after leaving our unit. A judgment was rendered against us for the amount of XXXX by the court. No more. And no less. We satisfied said judgment through payment of garnishment. And paid off the ENTIRE debt on XX/XX/2018. We have the " Judgment Satisfied '' letter from the courts. And thought that the issue was resolved.

However. U.S. Collections West, is still trying to collect money that we DO NOT owe. And has put the amount of XXXX on my credit. And the credit agency XXXX, has refused to remove the debt. What they are reporting is false, especially since the courts probably did not give them the amount they were looking for. And are now harassing us for something we already satisfied THROUGH THE COURT. So are they trying to collect the same debt twice, by holding my credit hostage?

They are also holding our credit hostage for something that has already been satisfied. If they do not remove the debt ASAP. We will be getting a lawyer.
Consumer complaint received 2021-04-20
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 — Their investigation did not fix an error on your report
Company: BANCO POPULAR DE PUERTO RICO (FL)

The account i have been disputing with XXXX  is the account BPPR - Banco Popular de Puerto Rico Mortgage. The information is wrong because in the report the say last payment received was XX/XX/XXXX and in the history they said that no payment was made First dispute XX/XX/XXXX Second XX/XX/XXXX Third XX/XX/XXXX XXXX. XX/XX/XXXX Still this situation hasnt been resolved when is a clear mistake in my report just by looking at it. All other companies had eliminated this from my report except XXXX
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Notice for Proof of Claim Account : XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX To Whom it XXXX Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Consumer complaint received 2023-04-04
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-04
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX