davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (TX)

spoke with XXXX at XXXX, we did a 3 way conference call with my bank.bank rep confirmed that a payment was made on XXXX-XXXX-19 to my XXXX  card.XXXX  stated that no payment was received on the card.i asked where did the money go that was taken from the checking account? XXXX stated she did not know.i was told to call back at another time.i have attempted to call back several times, they continued to route me to several others that said they have no knowledge of the XXXX  account.another payment is due soon, i do not know to who or where to send payment or if they will take the money and not credit the credit card. please advise thank you
Consumer complaint received 2019-02-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Illinois Collection Service, Inc. (IL)

Sometime in the past I had disputed the medical bill I received from the hospital and then later I received a call from the collection agency ICS. At the time of service I had XXXX and conveyed to the hospital that the bill would need to be billed directly to XXXX and there was no other insurance. That same month I had services at the hospital with another department and they verified that I had XXXX and billed to XXXX. The XXXX services that I received that were sent to collections were indeed covered by XXXX. I was told by the hospital and the collections agency that even if they billed the services to XXXX that it could take too long to pay in and they were demanding monies over the phone or I would be sent a bill for collections. Spoke with the hospital and was told that the bill is covered by XXXX so the balance would not be sent to collections. 

Fast forward to XX/XX/XXXX, the account was placed into collections and is affecting my credit score. I never received a written notice that this account would actually be placed in collections. The hospital never informed me that the balance was no paid by XXXX and I was told the situation was resolved from the last communications back in the fall.
Consumer complaint received 2019-02-17
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. (MA)

On XX/XX/2016, the auto loan with XXXX XXXX XXXX XXXX was opened in the amount of {$3500.00} dollars, this loan was paid in full, I contacted the company to verify that it was paid in full and I was told that it was. I filled for bankruptcy around XX/XX/2016 and for some reason this account with XXXX XXXX XXXX XXXX was included in it, I called Experian and I disputed this account so that they can delete it from my credit report, I received a response from Experian by United States Postal Service and the account has not been deleted from my credit report. I need this account deleted from my credit report because it is affecting my credit score, my question is, how is this account on bankruptcy if I paid the balance in full and when I contacted the company that approved the loan, I was told the same thing by one of their representatives.
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

Equifax deleted 4 fraudulent XXXX XXXX  inquiries from my credit report but they left 5 fraudulent inquiries on my credit report. 

No consumer in their right mind applies for credit from the same company this many times. It does not make sense a blind man can see that these inquiries were not done by me. 

XXXX XXXX told the CFPB that some are fraudulent. 

Equifax has been stating that these inquiries were verified for months. 

I asked XXXX XXXX and Equifax for the paper, electronic and audible proof that I initiated these inquires and they both have failed to provide me the documents that they are using to authenticate these inquiries. 

How did the pick and choose which inquiries to keep and which ones to remove?
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX  deleted 4 fraudulent capital one  inquiries from my credit report but they left 5 fraudulent inquiries on my credit report. 

No consumer in their right mind applies for credit from the same company this many times. It does not make sense a blind man can see that these inquiries were not done by me. 

Capital One told the CFPB that some are fraudulent. 

XXXX has been stating that these inquiries were verified for months. 

I asked capital one and XXXX for the paper, electronic and audible proof that I initiated these inquires and they both have failed to provide me the documents that they are using to authenticate these inquiries. 

How did the pick and choose which inquiries to keep and which ones to remove?
Consumer complaint received 2019-02-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (GA)

We have an account with Citibank World Mastercard that went 7 days past due for the amount of {$38.00}. This account has never been past due and we didn't realize the original payment was a little short. A simple reminder would have sufficed and we would have promptly made up the difference. Instead, Citibank has contacted us via phone at least 6 times in the past three days ( we think more where there wasn't a message left ). While we are only {$38.00} past due, their message misleadingly indicates we must pay {$420.00} as it's the balance due ( which the actual due date for the additional amount over {$38.00} is XX/XX/19 ). We contacted them twice and I also answered the phone one additional time letting them know we had made a payment and we had also transferred a payment via reward points to them which would more than cover the amount past due. This morning within 5 minutes of me hanging up the phone with them, they called AGAIN! I asked for a supervisor and advised about the payments on the way and that they were harassing us with all of the calls and threatening, misleading messages. They claimed they notated the account so the calls would stop.
Consumer complaint received 2019-02-17
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: CITIBANK, N.A. (MA)

I canceled my Citi Bank Credit Card ending in number XXXX a few weeks prior to XX/XX/XXXX and was reassured this card was deactivated and I received the replacement card 2 weeks prior to XXXX XXXX transaction in the amount of {$1400.00} being authorized for payment by the corporation. The Citi Bank Representative asked prior to the cancelation of the card number ending in XXXX if the charge of {$74.00} from XXXX was legitimate, and I agreed to the {$74.00} which was the only pending transaction at the time. Furthermore, I had already received my new card ending in XXXX two weeks prior to the transaction posting, and to my surprise the transaction of {$1400.00} was approved! I feel as though someone at the bank failed to cancel the card ending in XXXX. The only authorized transaction that I agreed to, that was legitimate was {$74.00}. My authorized user XXXX XXXX was aware of the card being canceled, and he reassured me he paid XXXX the bill in cash. He stated that the cash receipt was misplaced and was not expecting XXXX to put the transaction through. The only amount that I thought, and agreed to being transferred over to my new card number ending in XXXX was {$74.00}, and not XXXX. Furthermore, that total quite obviously exceeds my credit limit so I would never have authorize it. Lastly, this is the reason that I do not have a receipt at hand. 
P.S. this over the limit credit charge has affected my credit score, so please have the derogatory remark removed immediately. 
Thank you, XXXX XXXX
Consumer complaint received 2019-11-25
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: EQUIFAX, INC. (PA)

The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately.
Consumer complaint received 2019-02-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc. (IA)

Apartment company is claiming false property damage done to apartments in order to collect money via withholding from rental deposits or billing the tenants. We have video proof showing no damage was done but the property management company subsequently turned in a claim to a property management collection agency who is now harassing us. Note, this property is for housing primarily for XXXX XXXX University students and they are trying to falsely charge the student and parents hoping they will blindly pay.

I requested all of the following information be provided to me by mail and I did not receive it : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Iowa.

Because they have reported this debt to credit bureaus and continued to harass me, continuing to pursue this false debt they are in violation of the Fair Debt Collection Practices Act. 

Attached are the notifications requesting they cease from harassing me for a false claim as well as a link to the video of the undamaged property, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: GreenSky, LLC (MD)

Greensky tells me that I owe them {$0.00} and that my account is closed. See attached documentation. Despite me not owing anything on this loan, Greensky is still reporting to the Credit Bureaus that I owe {$7300.00}.
Consumer complaint received 2019-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (IL)

I purchased my home and received a conventional loan. The purchase price of my home was XXXX Since that time, I have paid my loan down UNDER 78 percent of the Loan to Value, and they continue to charge me PMI. 
This is to fall of automatically once I reach 78 percent of my loan and I am now at 77 percent of the original XXXX I am being told I need to order an appraisal and spend XXXX on this. This is not true, it says in my closing papers that once I reach 78 percent of the original purchase price the PMI will come off. 

Not only that, I am being told that I have to write dispute letters to get the PMI off. This is ridiculous. They need to check my loan and remove the PMI. Thank you.
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (TN)

I checked my credit report on XXXX XXXX to discover that I had 6 hard pulls on my credit report, of only 3 that I recognize. XXXX XXXX, is whom I have my SUV financed through. XXXX XXXX, is the dealership I purchased my SUV. XXXX XXXX  financed a credit card from XXXX. I would like the other 3 removed form my credit report. Please remove the following : XXXX Inquiry from XX/XX/2017 Fnb Bank Inquiry from XX/XX/2017 XXXX Inquiry fromXX/XX/2017
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (NY)

I recently applied for a credit card backed by XXXX XXXX. I noticed they pulled my XXXX  credit as well as XXXX. I thought it was odd but didn't realize how they obtained my XXXX  data until XX/XX/2020 when I pulled my free annual XXXX  report. At the bottom of the XXXX   report there is a section for Third Party Supplemental Information. There is data from 3 companies listed : XXXX, CoreLogic and XXXX XXXX XXXX XXXX. These 3 companies have nothing to do with credit cards and loans. Further they are not used in computing my FICO or XXXX credits scores. They have no bearing on my credit information, hence the reason for my complaint today. Please do everything within your power to advocate for myself or anyone else experiencing this problem with XXXX, and get XXXX  to stop reporting this data about me or anyone else. I'm sure most people do not even realize XXXX is selling this data about us.
Consumer complaint received 2019-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

I checked my personal XXXX  credit report, and I have notice negative account on my credit report that I do not have a contract with. I first contacted these furnishers of the account, with a few of them giving me the runaround. I asked them to remove their account from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical validation of the original signed consumer document. I request that you initiate an investigation into the below accounts on my credit report. If, once your investigation is complete, you find my allegation to be true, please remove the accounts and send me an updated copy of my credit report. Diversified Consultant XX/XX/2019, XXXX. If you find the account referenced above to be valid thru physical validation, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Consumer complaint received 2020-01-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I attended XXXX XXXX College XXXX for summer and fall sessions. I moved from XXXX to XXXX Florida for a family emergency in XX/XX/XXXX. I never received any emails or forwarded mail about my payments or when they would be do. I check my credit periodically and noticed in XX/XX/XXXX that they hit my credit score saying that my payments were late by 120 days and 90 days. I immediately called them and explained the situation and they stated that they could not take it off my credit. I have submitted multiple disputes but none will go through. I have showed that I make all of my payments on time and plan to continue to make them until the loan is paid off.
Consumer complaint received 2020-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I checked my credit report an saw several account that did not belong to me, so i got in contact with the companies to let them know that these accounts were not mines. I also provided my drivers license and social security card to prove that the accounts were not mines but they refused to investigate them. So i decided to file the necessary documents to show that i have been a victim of identity thief to the best of my knowledge. The following accounts are not mines : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$730.00} XXXX/XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX {$730.00} XXXX XXXX # XXXX XX/XX/XXXX {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX # XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX XXXX {$2200.00}
Consumer complaint received 2020-01-18
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. (FL)

Dear Sir or Madam, As discussed with the lender to no avail, I was not aware that XXXX XXXX XXXX had assumed my mortgage from the previous lender, as I had received no correspondence nor any phone calls from anyone until XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX XXXX XXXX customer service representative who explained that XXXX XXXX XXXX had become the new lender, and, as a result, it was owed 3 months-worth of mortgage payments. Even though I was surprised that nobody had contacted me before, on the very same day, I wired the amount owed at that time, i.e., {$5100.00}. Since then, I have been paying the mortgage payments regularly, that is, I paid {$1200.00} on XX/XX/XXXX, and {$1200.00} on XX/XX/XXXX. In addition, I also enrolled in automatic payments. As my credit history demonstrates, I have never, not once, missed a payment with any creditor. Despite XXXX XXXX XXXX failure to contact me about the assumption of my mortgage until XX/XX/XXXX, and despite my punctual payments since then, they have not updated my statements. In addition, to my surprise, they have also reported false information to credit agencies and noted that I have missed all payments to date, even though I have paid all that is owed so far, that is, a total of {$7700.00}. 
I am therefore hoping that you would assist with this matter and request that they update their records and immediately withdraw the delinquency notice with the credit agencies. 
Please contact me at XXXX if there is anything I can provide ( bank statements, etc. ). 
Thank you and best regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-18
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. (FL)

Dear Sir or Madam, As discussed with the lender to no avail, I was not aware that XXXX XXXX XXXX  had assumed my mortgage from the previous lender, as I had received no correspondence nor any phone calls from anyone until XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX XXXXXXXX XXXX customer service representative who explained that XXXX XXXX XXXX had become the new lender, and, as a result, it was owed 3 months-worth of mortgage payments. Even though I was surprised that nobody had contacted me before, on the very same day, I wired the amount owed at that time, i.e., {$5100.00}. Since then, I have been paying the mortgage payments regularly, that is, I paid {$1200.00} on XX/XX/XXXX, and {$1200.00} on XX/XX/XXXX. In addition, I also enrolled in automatic payments. As my credit history demonstrates, I have never, not once, missed a payment with any creditor. Despite XXXX XXXX Bank failure to contact me about the assumption of my mortgage until XX/XX/XXXX, and despite my punctual payments since then, they have not updated my statements. In addition, to my surprise, they have also reported false information to credit agencies and noted that I have missed all payments to date, even though I have paid all that is owed so far, that is, a total of {$7700.00}. 
I am therefore hoping that you would assist with this matter and request that they update their records and immediately withdraw the delinquency notice with the credit agencies. 
Please contact me at XXXX if there is anything I can provide ( bank statements, etc. ). 
Thank you and best regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I have been a victim of identity theft twice and then I was hit with third part creditors coming after me and trying to take me to court for bills I paid ten years ago and for some reason since I was effected by the breach i. Have experience not listening to me regarding a third part lawyer for XXXX which just showed up on my credit and I have been using XXXX my entire life so they are the only ones not listening to me after spending hundreds of dollars with post offices and ink and so on and so forth I thought I was finished finished fighting but this is for XXXX Im XXXX and can not afford to live never mind a bill I dont owe and effecting my credit I can not fight anymore Im too tired. Please help me they are the only credit company who has this listed and not listening to me
Consumer complaint received 2020-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6700.00}, {$9000.00}, {$14000.00}, {$7900.00}, {$30000.00}, {$11000.00}, {$200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6700.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account. 


-- CLOSED ACCOUNT 6. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account.