davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-14
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 ; Experian and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. Equifax and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-08-22
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. (GA)

To whom it may concern, I have tried to communicate effectively with the following credit reporting agencies Equifax, XXXX and XXXX but was unsuccessful during my attempts XX/XX/2020. XX/XX/2020, XX/XX/2020 and XX/XX/2020. The account listed as XXXX XXXX XXXX XXXX Credit Card is a fraudulent account that has appeared on my account monthly with an increased balance monthly as a closed/ charged off account. The credit agencies have all responded incorrectly.
Consumer complaint received 2020-05-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/20, I called Bank of America because on their web site it says that the customer can request refunds for overdraft fees, non-sufficient funds fees, and monthly maintenance fees through the banks Client Assistance Program ( CAP ). When I called, the lady tried to tell me that I can only request the credits but that the bank can deny the credits too. That the bank would only credit back any fees that were a result of fraudulent charges. I asked why then does the B of A web site say that the bank will credit back the fees and does not state anything about only crediting back fees that resulted from fraudulent charges. Bank of America is completely lying to all of their customers telling everyone that they will credit back the fees as a good jester because of the coronavirus. The bank will not credit any fees back. This bank is blatantly lying and misleading their all of their customers. They should be held responsible for what they said that they would do and credit the fees back.
Consumer complaint received 2020-08-22
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: Chime Financial Inc (FL)

Idk where to start but here goes I booked a trip with XXXX back in XX/XX/2019 and I made two payments in XXXX each for {$340.00} and then Covid19 came and bookit cancelled my trip on XXXX XXXX which I have the email so I filed a dispute with my bank as XXXX told me to after about 90 days I was denied my claim citing they didnt see any fault so I said I wasnt going to give up because nobody wants to lose any money so I filed a rebuttal which they claim it takes 45 days for them to respond now 45 days has come and gone as of XX/XX/XXXX Ive been calling them everyday and Ive been getting nowhere they said they did a escalation which takes 3 days that also has come and gone and then I talk to someone a week agai and that person said they would do a escalation as well now those 3 days also has come and gone its like now Im being totally ignored I just want my hard earned money back thats it
Consumer complaint received 2020-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

I am filing this complaint because XXXX MACYS has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KEYCORP (CO)

This is the second complaint I am filing. The first investigation that I filed with you was a fail, you provided me nothing but bogus information from " XXXX XXXX ''. I tried taking matters into my own hands and called " KEY BANK '' directly. The man I spoke to had a hard time finding me, he asked for my SSN and full name to attempt to locate " my account '' he said my DOB, SSN and name or email did NOT match what he had in the system and asked me to update my information. I told him there was a mistake and that I would not update any of that information since its obvious im not the person responsible for the debt. My wife tried to talk to him and asked him if he can transfer our call to the ID Theft department or if we can fill out the proper paperwork for that. He told us he could NOT help us since the information did not match. This is unbelievable. On my credit report it shows that I was Authorized, I never agreed to be authorized nor did i even know I was until I pulled my credit. I filed a police report. I don't know what else to do since im limited with Key Bank due to the inaccurate information and they don't even want to escalate the call since my information does not match their records.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST HERITAGE CREDIT LLC (MS)

Per review of my credit report recently, i happened on a discretion. It stated " Paid Collection '' but i never was a collection account. This account never went legal. And i paid it all the way out shortly after. So, the account should not appear as a " Paid Collection '' I would like this thoroughly looked into and not just pushed to the side.
Consumer complaint received 2020-05-14
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)

Was notified by Experian that a collection was added to my credit report on XXXX the XXXX, XXXX. The collection company is XXXX XXXX XXXX and they state the original debt belong to XXXX EMERG MED SVCS OF TEXAS for {$460.00}. For starters, this was first time I had heard about this company. I have never done business with this company, had not had any services provided by them or anything of that sort. The collection turned out to be a medical debt, which is already a problem since I have not had any medical services provided to me since XXXX. I contacted Experian on XX/XX/XXXX and disputed the debt. I was told that they would " investigate '' the matter and would take 30 days. The very next day ( XX/XX/XXXX ), I received an update to my dispute stating that they were able to validate the debt, but could not provide me proof that the debt belong to me. I asked Experian how was the debt was " investigated '' and the representative told me that an email was sent to the collection company asking if this debt was true and accurate. When they responded yes, they just took their word for it!! These credit bureaus do nothing to actually validate the debts reported to people 's credit reports. That same day, XX/XX/XXXX, I disputed the debt again. On XX/XX/XXXX, the account was removed from my credit report. But on XX/XX/XXXX, the account was reported again to my credit report. Experian once again told me that the account was validated by sending out any email to the collection agency to ask them if the account was accurate. The credit bureau, both Experian and XXXX  have not provided any proof that this account belongs to me. They won't be able to do so since I know I have not had any medical services provided by anyone. These credit bureaus continue to allow information to post to people 's credit reports without validating the information. Also, with XXXX their online system allows you to dispute addresses and inquiries that should not/or do not belong to the consumer. Twice, I have disputed a couple of addresses and inquiries I did not authorize, and nothing was done ... .not even an update on the disputes!
Consumer complaint received 2020-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

I made my XXXX mortgage payment late due to being out of work since XXXX. I paid the mortgage to New Rez as soon as I received my stimulus check, since I was unsure about my future income. I have made the XXXX payment on time. I reached out to New Rez through 2 phone calls and an email. I was assured that my request to waive the {$42.00} late fee would be passed on and that it was something they could do, and that I would be contacted when it was resolved. I never received any call back, my email was never responded to, and several weeks later I have received a certified letter refusing to waive the late fee. I feel during these difficult times there should be some discretion on mortgage fees and also that New Rez failed to communicate properly with me.
Consumer complaint received 2020-05-14
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. (GA)

XXXX XXXX LAST XXXX XXXX XXXX Whom It May Concern : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account, thus the debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX OPENED XXXX XXXX {$910.00} XXXX XXXX XXXX OPENED XXXX XXXX {$61.00} XXXX XXXX XXXX OPENED XXXX XXXX {$48.00} XXXX XXXX XXXX {$1100.00} I have enclosed a copy of the Federal Trade  Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform [ business where the account was opened ] that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Consumer complaint received 2022-03-02
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Paycheck Solutions llc (TX)

I had taken this loan out due to family emergencies and personal issues related to health. My debit card was stolen and my account closed. I was unable to make a payment to the company. They started harassing my HR department detailing all of the information regarding them. I reached out via email asking them to cease contacting my HR department and asked to pay less each period, as I am having continued financial strain. They told me that they wanted me to send a letter from my doctor which I refused. I let them know I'd be filing complaints as their harassment could lead to my termination.
Consumer complaint received 2020-05-14
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$53000.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$40000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$780.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX  XXXX {$150000.00} XXXX  XXXX XXXX {$150000.00} XXXX XXXX XXXX  XXXX {$1400.00XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-05-14
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$53000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$40000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$780.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX  XXXX {$150000.00} XXXX  XXXX XXXX {$150000.00} XXXX XXXX XXXX  XXXX {$1400.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1600.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Consumer complaint received 2024-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violated and that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2020-10-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Io, Inc. (VA)

Date of service was XX/XX/XXXX with XXXX XXXX. My primary insurance is XXXX, secondary insurance is XXXX. I received numerous bills from XXXX XXXX which I responded to immediately. I sent them the explanation of benefits from my secondary insurance stating that my patient responsibility was {$0.00} but they continued to bill me. I tried numerous times to contact their office during posted business hours but they were closed. Finally on XX/XX/XXXX, I spoke with someone in XXXX XXXX  billing office. I was told that XXXX XXXX did not accept the contractual write off from my secondary insurance because my primary insurance did not have a contractual write off. This information was false according to XXXX XXXX an XXXX representative through Human Resources where I am employed. She spoke to XXXX XXXX on XX/XX/XXXX and was told I have a XXXX  balance. However, XXXX XXXX had already turned this bill in to a collection agency who in turn sent a notice to the Credit Bureau. I have very good credit and I was being bullied into paying XXXX XXXX  money that I did not owe them. It is not fair to me to have this incident on my credit report and I would like to make sure this reporting is removed from my record. Someone should also investigate the billing practices of XXXX XXXX.
Consumer complaint received 2022-01-14
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FC HoldCo LLC (GA)

On XX/XX/XXXX flagship called me on off the dialed system XXXX times. I picked up every time and it connected and the call hung up. The XXXX and XXXX call a rep answer i told both reps that they keep calling I have a payment already pending on file and to stop calling. This morning at XXXX am. Flagship called again. I explained to them i will be filing a complaint with I also informed the rep yesterday. Be a this is a fdcoa violations. They already spoke to me XXXX yesterday I asked not to call me again and I have a payment on file. I asked to speak with a manager and the rep said she was too busy.
Consumer complaint received 2019-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (IA)

I was notified of fraudulent charges on my account. After closing and opening a new card it became evident that Wells Fargo authorized someone unknown to me to add themselves to my card. I have spent many hours in local branches verifying my identity as well as many hours on the phone. I was given my final account balance at which time I paid it with a cashiers check and was told my account was closed. All online access and statements were terminated. A new balance of {$1500.00} has materialized and I am being asked to pay it. It appears as if my cashiers check was applied to the fraudulent charges, and legitimate charges I was told I paid off were transferred to the fraudulent credit card, which they are now trying to get payment for a second time. My claim was denied due to the fact that payment came from a legitimate bank account ( I can't control where they apply a cashiers check ). I have been given two names of WF employees in the executive offices who will not return my voicemail messages. I have been asking for an accounting of payments and charges between all accounts real and fraudulent and have been denied this information. Nor can WF branch employees gain access to these amounts. In short, I've paid my balance, they applied my payments to fraudulent charges and refuse to close my account as promised. A police report was filed at the time the unauthorized person was added to my account against the advice of WF employees.