davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TX)

1. I had a doctor ordered XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, TX on XXXX. 

2. I was given paperwork after the test at the hospital with instructions for a discounted rate of {$150.00} total as insurance did not cover this test. 

Paperwork provided has XXXX XXXX XXXX on the letterhead and as stated in the instructions they are contracted with XXXX XXXX, XXXX. 

Copies available. 

First step -- pay XXXX XXXX XXXX {$110.00} at checkout. I did so. 

Credit Card receipt available. 

Second step -- PER INSTRUCTIONS -- to receive this discounted rate -- -within 14-30 days you must call XXXX. 

I called this number numerous times and days. Calls are still in my phones call log. 

Copy of Phone Call Logs Available. 

I spoke to XXXX as well as other employees. I was provided the billing address of XXXX XXXX XXXX XXXX TX XXXX. 

3. Paid XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX their {$34.00} via Personal Check ( which they cashed ) to satisfy the entire amount of {$150.00} ( {$110.00} to the Hospital and {$35.00} to XXXX ). 

Cancelled check available. 

4. XX/XX/XXXX received a past due notice from XXXX -- -first bill I received ever ( never should have gotten any ) for {$630.00}. 
The full amount for the same test I already paid the discounted rate for ( {$150.00} ) after following all of their steps as instructed. 

Copy of bill available. 

5. Upon receiving the bill I contacted XXXX via email on XXXX. A follow up email on XXXX. 

Emails available. 

6. I contacted XXXX via phone on XXXX on a recorded line. They told me that this would NOT go to collections as the bill and been paid and that a HOLD would be placed on the account in order to remove it from XXXX billing accounts and that I wouldnt need to do anything. 

Recorded call transcript available. 

7. Then three months later on XXXX I receive an email from XXXX saying that my account dispute was resolved since the bill was already paid and they would reach out to CMRE to remove my account from collections. 

Email available. 

7. Then in XXXX of XXXX I receive a collection notice from a debt collector called CMRE from California attempting to collect a debt I DO NOT OWE -- -for a medical bill I ALREADY PAID -- -- in the amount of {$630.00} on behalf of XXXX XXXX . 

Copy of collections letter available. 

8. CMRE starts contacting DISTANT FAMILY MEMBERS ABOUT THIS DEBT. INCLUDING MY BROTHER IN LAWS PARENTS AND MY BROTHER IN LAW AT HIS WORKPLACE. 

9. I contact CMRE and forward all info saying I dont owe them anything and then contact XXXX telling them to remove me from collections as they stated they would. 

NO RESPONSE FROM EITHER 10. Receive yet another collections notice dated XXXX from CMRE -- - Copy available THIS TIME THREATENING TO REPORT THIS DEBT ( WHICH IS PAID ) TO XXXX AND XXXX  AND PLACE IT MY CREDIT REPORT. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX COLLECTION AGENCY CMRE FINANCIAL SERVICES INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

US DEPT ED  # XXXX, # XXXX, # XXXX and XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/2020 I received a notice from Citibank that my account has been blocked ( both checking and savings ). I called the next day and was informed that my account was under review. I was instructed to call back during between XXXX and XXXX EST to speak with the fraud department. I was originally told that my attempt to XXXX money to myself at another bank resulted in my account to be flagged as suspicious activity causing my account to be blocked. On Monday the XXXX, I called back 3 times and each time I was instructed to call back again. On XX/XX/XXXX I called back and was told that I would need to call back. Finally on XX/XX/XXXX, Citibank unfroze my account and restored online account access. 

On XX/XX/XXXX, I also wrote two checks to myself. One to my savings {$1100.00} and another to checking for {$22.00} from the other bank since I could not XXXX the funds. These two checks were submitted to Citibank through their mobile app. Because I was informed that my account was " block '' I would not be able to access my funds I placed an immediate stop payment on these checks. 

After my account was unfrozen on XX/XX/XXXX, Citibank removed my account from online access and blocked the account again on XX/XX/XXXX. I called back that day to inquire about the status of my account and was placed on hold by the representative and left for over 15 minutes. Additionally, this time there was no notice. 

I called the customer service department on XX/XX/2020 to inquire about my account and was told that my account has been blocked and the funds have been frozen. They were unable to provide a reason as to why this was the case. I advised the customer care rep that my paycheck will be direct deposited on the XXXX and I was inquiring about accessing those funds. His response was that those funds will be frozen ( $ XXXX ) and inaccessible. I would need to contact the fraud department again. 

Additionally, Citibank sent an email providing me access with my statement dated for XX/XX/2020. The statement ( can be provided upon request ) does not provide any explanation or notice as to why my account has been blocked or even if my accounts are active. I do have online access but it is only for my credit card account that they have and I can not relink my checking or savings accounts online.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Simon's Agency, Inc. (NJ)

CFPB - Please review this for all consumers who are disputing collection accounts on credit reports as this issue is systematic - and against FCRA Simon 's Agency, is reporting data on my report that is wholly inaccurate, and then failed to identify this alleged debt as a medical collection and as mandated by FCRA. 

This is my dispute. 

Where these accounts exists - at a CRA XXXX, XXXX and XXXX the following, is occurring : 1. Simons Agency, a Debt Collector, is knowingly sending data to CRA 's, as if they are a Credit Grantor and with data attributes that Metro2, specifies should not be sent when a DC 2. Metro2 File Standards ( industry norm for accepting data at the CRA ) is followed, DC 's are required to send data in their file to a CRA : - Header ( Who is reporting, including ID or the data furnisher ) - Trailer ( File counts of records sent/activity ) - Base Segment - Consumer detail, tradeline info - Some attributes are not expected to be sent ( values are not defaulted ) to a CRA - K1 Segment ( Original Creditor/ Creditor Classification Code or Client Name/Client Type ) Many fields, are not expected to be sent - see attachment of Metro2 DC do not send Simons is sending them.

The Metro2 file - does not default There are no terms, no contract with or pay history expected of and from you. No contract exists with a debt collector. 

The Original Creditor - should not, and is not expected to be in a comment ( free form text field ) I have never - added a dispute on this account, and I am not impacted by a natural disaster This tradeline - collection account, fails to even show up in the raw data reports directly from the CRA - because, mimicking in data, a CG account. 

Its inaccurate, incomplete and defaming. 

This account does not have any FLAG for Medical collections - you list a specific hospital. 

This account acts like i owe you and as if your are a lender. monthly, and we have no such terms. 

This also serves as a DO NOT CONTACT request, and as per FCRA
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (SC)

Good evening, I bank with Branch Banking and Trust ( BB & T ). I am XXXX and only receive around XXXX a month. Since XXXX, I have not received any money from my XXXX checks because the bank continues to take them every month. I haven't been able to eat, pay my bills, or even put gas in my car. My account was hacked every month, right before the XXXX of the month, including this month ( Since XXXX, around the time of the start of the Corona Virus ). My bank stated that they were giving me a XXXX dollar crises payment of which I desperately needed. 29 days later they took their XXXX dollars back out of my account without notifying me, or asking my permission. A crises check if used for a criees, and no one told me, which the bank claims they did, that they were going to turn around and take it back. I even switched banks to XXXX XXXX and they still stole my money this month. I can not go another month without food, paying my bills and car insurance. I notified them that someone deposited a check into my account, cashed it, then did a stop payment on it which left me account negative XXXX dollars again this month. They did nothing about it and told me I was responsible. I'm XXXX years old and haven't used a check since my XXXX XXXX. I'm not the only customer that they have a relief find to and turned around and took it back when it was supposed to be a relief fund. Please I can not go another month without food. Please help me.
Consumer complaint received 2020-07-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$0.00}, {$7100.00}, {$3200.00}, {$10000.00}, {$5600.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account.
Consumer complaint received 2020-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I paid off my balance in full and capital one is still charging residual interest. my bill was due on XX/XX/XXXX I paid off my entire statement balance XX/XX/XXXX and I check this months bill and see that I had an interest charge. They claim its a valid charge.
Consumer complaint received 2020-07-06
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. (VA)

I AM A VICTIM OF IDENTITY THEFT. I HAVE FRAUD ACOUNTS, ADDRESSES AND INQUIRIES. PLEASE REMOVE THESE ITEMS ASAP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NY)

Over a year trying to get false late payment removed by Ally financial on my auto loan. 
First Ally reported 2 late payments XXXX & XX/XX/2021 but after several calls to Ally customer service they removed XXXX late payment WHEN LOANE WAS PAID-OFF IN XX/XX/2021. 

After several phone calls to Ally financial, they changed & reported Late payment to XX/XX/2021 which is completely false ( Attached printout of credit report where it shows XXXX payment posted XXXX/XXXX/XX/XX/XXXX). 
ALL OF THESE LATE PAYMENTS BEEN REPORTED BY ALLY FINANCIAL AFTER AUTO LOAN WAS PAID-OFF IN XX/XX/2021. 
Paid off the loan during pandemic.

Credit score dropped XXXX points after Ally reported false late payment. 
Unethical & dishonest company.
Consumer complaint received 2021-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I finally looked into my credit and saw Multiple accounts from XXXX After researching, I found out that they are a student loan company I've never encouraged if never incurred any stolen loans because I did not go to any schools so I demand this get deleted from my credit report ... ... ... Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of
Consumer complaint received 2020-07-07
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: WELLS FARGO & COMPANY (AZ)

We have tried to contact Wells Fargo multiple times about the court case associated with my Fraud Claim. Nobody has called the court, and we just want someone to talk to.
Consumer complaint received 2020-07-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (OR)

Around XX/XX/XXXX I notified my Mortgage holder that the Property address on my Mortgage Statement was incorrect. I've been corresponding with them ongoing concerning the correction that's needed. They went back & fourth for months through XXXX changing the mailing address! Finally they realized after much paperwork, it was the property address & also the Deed of Trust was written & documented wrong! XXXX XXXX & now it's XXXX I'm still getting the run around. 

XX/XX/2020 they sent me a generated letter after my writing a long letter to them about my concerns of why this correction is taking so long. I've sent them documented proof from XXXX County, the tax statement which has the property address on it & still this generated letter states there reviewing it. 

I'm so frustrated with this can you please help me? 

Thanks
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2022 my Capital One account was restricted. When I noticed the issue I contacted Capital One to resolve it and was notified that the account was closed due to returned payment. Once I was notified of the error I corrected it and completed a payment right away for the balance of the account. I also contacted my bank on the issue and was told that payment was rejected as a security measure for my account.
Consumer complaint received 2020-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (CA)

I became aware that this account was opened on XX/XX/2017, when my wife received an email regarding a new account with XXXX. 
I contacted frontier immediately, and even spoke to their legal department over the course of several phone calls. After speaking to their legal department and discussing that I had never even spoken to someone at frontier and the account was opened fraudulently, I was assured that this would be resolved. 
When I pulled my credit report recently, I realized that the account has been put on collection, and I was not even notified about it. 

I want this account removed from my credit report immediately.
Consumer complaint received 2020-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I have student loans with Navient. They are all Federal Student Loans. I can provide detailed payment logs that include weekly payments of student loans that show I was still making payments for years while being on IDR of XXXX based on income. When recertifications for IDR 2020 ( before COVID ), my required amount became 100+ dollars, ok I thought to myself, Ill keep weekly payments going and I should be ok, no. It appears Navient has charged me a late fee, and all payments made I believed were being added to my actual loans only went to interest. The payment of 100+ dollars that I was told would start in XX/XX/2020, I have only paid around 50 dollars to, oh and Im past due because it actually started repayment in XXXX???? Not to mention a XXXX $ student loan that I never received is on my account as needing to be repaid. How do I pay a loan I never received. Navient has stated they can Accommodate me by placing my account in forbearance For 30 days to remove the XXXX late fee. Wait I thought that process adds more interest to an already outrageous amount due. This is a shame, a consumer thinks they are doing the best they can with little the have and loan sharks like Navient give wrong information and take their money. If I would have known that interest would have accrued even on IDR while making payments I would have kept XXXX. And not attempted to pay extra. Shame on me for being honest and wanting to get ahead.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (NC)

I spoke with XXXX at The Office of the President at XXXX XXXX   about some open account issues on my credit report. These open accounts show the following open accounts by XXXX  and or their creditor collection : acct number original Dollar Amount card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After having CFPB investigate the account of LLC Funding/LVNV, their response was that they no longer had the account and sent it back to XXXX XXXX. Furthermore after speaking with XXXX at The Office of the President at XXXX XXXX, she insists that they do not have the account that they closed the account. She was well aware that I am on XXXX, which makes my income collection proof and judgement proof.My credit reports by all three credit bureaus continue to have this listed on my reports. It is false reporting and I would like it removed from my credit report as to not hinder my credit progress in the future. I feel like I am being given the " run-around '' by XXXX XXXX  and it's collection practices. XXXX at The Office of the President at XXXX XXXX  was not helpful in resolving the matter and did not give me information as to why this is still being reported as " open collections '' on my credit bureau reports.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX and I submitted my information online to the free XXXX XXXX XXXX but was denied. I wasnt given a reason. I need to know why I was denied and what I need to do in order to get my report
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (IL)

I have a mortgage and home equity line with US Bank. I called to inquire about mortgage forbearance on my mortgage. I was looking at my credit report through XXXX XXXX, they automatically put me on forbearance without my permission. The week of XX/XX/XXXX I spent many hours with US Bank to try and get this resolved. They told me they were going to remove me from forbearance and resolve my credit reporting issue. I received another letter today from US Bank saying they are confirming my request to enter a forbearance plan! I have spoke to so many people and waited on the line for hours and disconnected a few times. I need them to remove both my mortgage and home equity from forbearance and fix my credit report. I have also been making payments and it doesn't look like my payments are being posted to my accounts. My home equity shows I owe 4 months of payments which I have been making. I need to make sure the payments I have been making are being posted and reported correctly. My US Bank mortgage number is XXXX, my home equity is XXXX.