davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (WI)

I'm continuing to receive bills for services from XXXX and the XXXX XXXX of XX/XX/XXXX which I have already paid. I have talked to their Customer Service Dept. numerous times and have gone to their office to rectify the situation. I'm told the matters will be taken care of, but the next month I've receive the same bills. 

Now they have turned the following over to Americollect, Inc., XXXX. XXXX XXXX, XXXX, XX/XX/XXXX XXXX. The charges are : Acct. # XXXX for {$27.00} which was paid XX/XX/XXXX via Master Card and cleared XX/XX/XXXX ; Acct. # XXXX for {$14.00} which was paid XX/XX/XXXX via Master Card and cleared XX/XX/XXXX ; Acct. # XXXX for {$40.00} which was paid XX/XX/XXXX via Master Card and cleared XX/XX/XXXX. When I furnished proof of payment, Americollect told me XXXX said the payments were used for " something else '' and that I still owed these amounts. They can't seem to tell me what this " something else '' is. When I sent the payments, I followed their instructions by indicating on the payment slip which account numbers each was for. 

Now in the last two days I have received two phone messages and a letter from XXXX XXXX, XXXX. XXXX XXXX, XXXX, XX/XX/XXXX XXXX, indicating that I owe XXXX another {$300.00} on Acct. # XXXX going back to XX/XX/XXXX. The charge for this service was really {$410.00}, which I paid on XX/XX/XXXX via Master Card and cleared on XX/XX/XXXX. Again, I had clearly shown on the payment slip the account number to which this was to be applied. 

I have never dealt with a company that could simply say that payments clearly earmarked for specific billing could be used elsewhere and now you still owed these charges. I have complete records of all my dealings with XXXX. I have paid every bill I owe, and I have proof of these payments. I have no idea what other bills they may try to collect which I have already paid. 

Looking at theirXX/XX/XXXXrating, I was not surprised to see it as " F ''. Reading through the complaints, there seems to be a pattern here of lying to the consumer and creating a smoke screen in an effort to confuse people into simply paying the bills they receive whether they really owe them or not.
Consumer complaint received 2020-06-25
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: BARCLAYS BANK DELAWARE (MA)

I am filing a complaint against Barclay US Credit Card regarding my registered Dispute # XXXX Barclay Card ending XXXX. 

On XX/XX/2020 I purchased an XXXX XXXX {$4100.00} a round trip first class ticket XXXX/XXXX. This flight was cancelled due to COVID19 and to date I have been denied two occassions by Barclay in writing that they get will not be involved with the dispute. I am stonewalled and an honest consumer with rights. They stated in a letter to only return to the vendor to get me money back and denying they are responsible to be involved. 

I have been in touch with XXXX XXXX for 4 months, but COVID has caused the phones to not be answered and the XXXX office closed. I have reached them by email and they agree to a refund but none has come over the 4 months of receiving emails back. They keep saying money is coming. It may come, but if it does not I am out the money. 

The ticket was cancelled and it is refundable ticket as its First Class. The issue is no money.

I have sent a lot of documentation to Barclay and do not think they are reading or following US consumer law on this matter, reading the fact its a cancelled flight. A manager called XXXX spoke with me and requested to re-fax my confirmation email about refunds being due from XXXX XXXX, but no promise. 

Speaking to Barclay is difficult at best even with the long phone waits. They are stating each new fax of documents or management call back can be a week or more. And they are not advising me on my rights to that this flight cancelled. 

Also, poor overseas support are contributing to a difficult with constant cultural and elocution problems. The dispute lines will not tell you anything about your case, just that your denied and if they do its inconsistent call to call. 

In my opinion Barclay is not providing the consumer with transparency regarding what is needed to help them understand US consumer protections I and others have. 

They keep advising me they must follow their policy, when I keep saying and proving the flight is cancelled due to COVID and the ticket refundable. T This Dispute is valid and needs to remain open until a refund from XXXX XXXX comes or Barclay provides. 

I have filed complaints with the DOT, FTC and Mass Attorney Generals Office I am very concerned what they are doing is happening to other consumers. 

Attached is the most current cancellation/refund correspondence from XXXX XXXX, they are now saying its 7-10 days, but they have promised its in process in the past, its 4 months! Note I purchased this ticket for my sister XXXX XXXX who was flying with me to XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX {$2800.00} was fraudulently charged to our card XXXX XXXX XXXX XXXX On XX/XX/XXXX we noticed the fraudulent charges and reported them to Chase. 

Chase agreed to remove the charges and issued us a new card. 

In speaking with Chase, goods or services of these items were never received by the fraudulent purchase because we were able to notice the fraud before hand. 

In XX/XX/XXXX Chase reversed the {$2800.00} credit claiming 'we had received the goods and because of XXXX ' fraud protection it can be proved the charges belong to us '. 

We would like the fraudulent {$2800.00} removed from our card in accordance with Federal Law.
Consumer complaint received 2020-06-25
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. (NJ)

I had these on my credit for several years and months. I never knew I could dispute because the creditors told me legally Im responsible. Now I know this isnt true these are not mines please delete XXXX XXXX XXXX Update My Account Action Sent XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX - ALL XX/XX/20 XXXX  XXXX XXXX - CREDIT CARDS I was a victum of XXXX and was XXXX XXXX I was on the XXXX  for 3 days. I sufferd and the car company never honored to update my account from late. I was not late I was XXXX. Please help me. I need to get all my affairs in order
Consumer complaint received 2024-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX has removed XXXX of my account from my credit report without any reason at all Company name XXXX # XXXX XXXX XXXX I owned this account for too many to many years.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

The servicing rights to my mortgage were recently purchased by Mr. Cooper. So far, I have made two automatic monthly payments of {$2700.00} each by linking my checking account to personal checking account to my Mr. Cooper mortgage account. I have only authorized Mr. Cooper to make withdrawals on a particular day for my regular monthly mortgage payment. 

On Saturday, XX/XX/XXXX at XXXX XXXX, I was sent a generic email message from Mr. Cooper to inform me that their " vendor '' mistakenly processed unauthorized withdrawals from many different customer accounts. They promised it would be resolved quickly and that they would cover any overdraft fees, but this was still very concerning to me. I checked my checking account balance over the weekend and there was no withdrawal processed, so I assumed my account was not affected. However, today I checked my account and Mr. Cooper had processed FOUR SEPARATE WITHDRAWALS OF {$2700.00} EACH that were cleared by my bank yesterday XXXX Monday XXXX. While I also had transactions processed the same day to reverse all four withdrawals, I am incredibly angry that such large amounts of money were processed through my checking account without my consent and with very little information or notice from Mr. Cooper. 

How is it possible that internal controls at Mr. Cooper would allow such a huge mistake affecting many of their customer accounts? How did it not raise flags that for my account ( and many others like it, according to press accounts ) that multiple withdrawals were being processed on a single day, when the norm would be one such withdrawal per month for a mortgage that is payable monthly? I am flabbergasted that this wasn't caught beforehand, given how unusual this would be for the typical mortgage account. This could have been a major problem for me and other Mr. Cooper customers ( who, like myself, probably aren't Mr. Cooper customers by choice ), particularly given cash flow issues faced by many during the pandemic. I am requesting that this be investigated and that Mr. Cooper be held accountable for this issue. I am extremely disappointed in the " explanation '' that has been given by Mr. Cooper to date.
Consumer complaint received 2020-11-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CHECKredi of Kentucky, LLC (TX)

Other websites show that the company has reduced the account to XXXX. When I tried to dispute the {$30.00} fee, they told me there was nothing they could do about it. This would be the first time in my life that a debt collector couldn't take care of the ACH fee.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau (UT)

Knight Adjustment Bureau is reporting an erroneous debt on my credit file. I never even knew that i had this collection until i looked at my credit and saw it. Once i realized this debt was on my credit file i called and paid it immediately. This was a few years ago. I have sent various disputes to them and have called various time 's in attempt to get this removed from my credit file. I have not received any responses from them and this item remains on my credit. This debt has been resolved and i don't understand why this remains on my credit even after my attempts to have it removed. I am now trying to obtain financing and this is getting in the way. I need it removed from my credit file ASAP.
Consumer complaint received 2020-12-11
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: CAPITAL ONE FINANCIAL CORPORATION (ND)

I have a very bad situation XXXX, XXXX  are stating that my primary, only address is my only address, that Capital one has/had the ability to add an unknown address to my personal identity, information, that is the only address that goverment, burueas are using to identity. Time and Time again I tried reporting to government this identity theft, how can a company have that muh control, hierachy, walk past right me, directly over me, tell government officials that this is where I live, that's my primary address, In XXXX XXXX thats the last place I had my credit card. XXXX XXXX XXXX XXXX XXXX XXXX was a hello, goodbye, I reorted to Capital one close the account close the account in XX/XX/XXXX something is not right, I don't have the Capital one credit card. How can someone say I am in California going on almost 2 years. When I am really in Maine or what If I am Florida but no matter what somehow this unknown is locked, above all my current living it doesn't matter where I am in 5 years. All credit bureaus say that Capital One is the one reporting this address, only the can remove. Imagine how can, has anyone heard of that you cant call authorities, or remove an unknown address because government officials thinks that since the 2nd week after of XXXX of XXXX remember just one 1wk a few days I somehow I am at or living somehow magically at this unknown address, can not remove this address from credit report its Capital one they stated has the right over my identity and credit report which is ruining my identity because authorities will not speak to me unless I speak to or mention the XXXX XXXX, So Capital One as mentioned including from XXXX going into XXXX, calling including all 3 credit reports speaking to authorites XX/XX/XXXX XXXX, XXXX  say the only authority, I can not dispute online not even when I call authorities and state this address is not part of my identity. So as Far as XX/XX/XXXX Capital One government officials ( When did I give Capital One permission to keep account open, why don't I have control over my own identity about where I live. Why can't my real current living addresses or any address I choose be primary. I am told Capital One has over me, they are in control they can easily say I am In a Virginia or TX or this XXXX XXXX address put this or place as my identity in all credit reports. When I'm living really Living in XXXX XXXX  as an example. This is really messing up my identity, they refuse to remove this unknown XXXX XXXX as primary, I go thru all the verify identity all the time including XX/XX/XXXX, they refuse to remove this unknown residence. No utiliites, no rent nothing just an unknown address in XXXX XXXX.
Consumer complaint received 2020-12-11
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)

XXXX and Experian, please review the following complaint against your client and XXXX XXXX XXXX XXXX. Is XXXX correct and they don't provide credit reports used for their loans and you provide? I am not going away. 
I have repeatedly requested the credit report used for the XXXX XXXX XXXX XXXX loan # XXXX. My requests have been ignored and repeatedly called duplicate on Consumer Financial Protection Bureau. So I called XXXX today to request a copy. The gentleman went offline to request from that department. After an extended wait, he instructed me XXXX didn't provide credit reports and I would have to call dealer or credit bureau.??? I thought he misunderstood so I told him that I needed the report used for the loan, He said understood. I told him that it was law for the companies to provide the credit reports used for the loan. He went off line again and came back with the same news. And then he admitted that XXXX didn't have a copy of that credit report and I would need to get from the credit bureaus or the dealership.?? I am sure all of this was taped for XXXX 's review. Now everything makes sense. His superiors were just telling me a story and XXXX repeatedly calls my requests and complaints duplicate because they can't just say they don't have the credit report. Attached is the credit report and application used for the other car purchased in my name same day, same dealership. The other lender was XXXX XXXX XXXX, After XXXX reviewed the information and dates on application and credit report, they immediately dropped the claim. It is obvious the credit report was accessed before application and permission.I have again attached the application used for XXXX XXXX XXXX XXXX. It is the undated one used to access my credit report and completed the day after pulling my report.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

I am XXXX XXXX XXXX. I had accounts with XXXX, all of which were transferred in XX/XX/2022 to Citizens Bank. Citizens doesn't have any branches in the state where I now live. I can't get through by telephone to the numbers listed on the Citizens website. 
I have other accounts with Bank of America. I use the Citizens checking account only to receive my Social Security by direct deposit. 
I made a mistake and overdrafted my checking account by {$29.00} on XX/XX/2022. I learned of this because I receive automatic emails for every transaction. I immediately opened my computer to look at my checking account. I saw that there was a {$12.00} charge to cover the check and that my checking account indicated a negative balance of ( XXXX ). I immediately deposited {$50.00} into my checking account, which then read a positive balance of {$38.00}. However, there is now a balance owing of {$29.00} on the overdraft credit line that the bank set up automatically. 
I went to the overdraft on my computer. There is no way for me to make a payment to clear it. I've gone through agony with this bank. I can't reach anyone by phone. I can't work computers. I've repeatedly called. I am now at a loss as to what to do. The overdraft is accruing a 17 % interest charge. I am also worried that the bank is charging {$12.00} per/day as a surcharge because the " new customer '' instructions indicated that {$12.00} would be accrued daily until an overdraft is cleared. 
It is incredible that I can't reach anyone by phone. The waiting time is over 1 hour. I am a XXXX XXXX XXXX patient and can't take this pressure ( XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
Thank you for acknowledging receipt of this complaint.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I had an auto loan with XXXX XXXX that I paid in full XX/XX/2020. Usually XXXX, Exquifax and XXXX updated my auto loan on the XXXX of every month, but this time they didnt update my information. Because of this my pre-approval was recinded and now I can not secure my mortgage for my new home. I tried to contact XXXX XXXX directly and they advised that did their part, they sent the letter on XX/XX/2020 advising all 3 credit reporting agencies that my auto loan was paid in full. Its dishearting that the 3 reporting agencies are quick to report incorrect information, but slow to correct/update their inaccuracies. That fact that I am no longer eligible for my mortgage over this is unfair, biased and causing me financial harm.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently ordered my consumer credit file from XXXX, Experian and XXXX and notice these late payments with XXXX XXXX ACCT # XXXX. I am requesting all be removed from my file this finding has caused stress, my credit utilization to increase which ultimately has caused a low credit score and credit denials along with higher interest rates. 


15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on you in the first place. 

The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the comp corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I had a XXXX XXXX credit card opened in XXXX, XXXX closed in XXXX XXXX. I believe the amount originally charged off has been reporting inaccurately, therefore I am requesting a copy of all the statements from XX/XX/XXXX through XXXX, XXXX. 
Further, Experian has not been reporting the date this account was charged off and the date of last activity of this account.
Consumer complaint received 2022-07-18
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. (MS)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2020-12-11
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. (TX)

I had an auto loan with XXXX XXXX that I paid in full XX/XX/2020. Usually TransUnion, XXXX and XXXX updated my auto loan on the XXXX of every month, but this time they didnt update my information. Because of this my pre-approval was recinded and now I can not secure my mortgage for my new home. I tried to contact XXXX XXXX directly and they advised that did their part, they sent the letter on XX/XX/2020 advising all 3 credit reporting agencies that my auto loan was paid in full. Its dishearting that the 3 reporting agencies are quick to report incorrect information, but slow to correct/update their inaccuracies. That fact that I am no longer eligible for my mortgage over this is unfair, biased and causing me financial harm.
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (CT)

Opened checking account with TD Bank branch in XXXX, CT in XXXX of XXXX. Promotion indicated I would receive {$300.00} if I were to have direct deposit over a certain amount within 30 days of opening the account. 

When I asked for a direct deposit form from them with my new checking account numbers they mistakenly gave me the wrong account number and subsequently my first two paychecks in XXXX of XXXX were deposited to the wrong account. After many calls from me they identified and corrected the problem with the deposits and put my paychecks into the correct account but never gave me the {$300.00} because I didn't have direct deposits within 30 days even though this was their mistake that they provided the incorrect account number.