davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc (LA)

On XX/XX/2020 I received letter from Transfinancial Companies , Inc. trying to collect {$120.00} they claimed I owed to XXXX XXXX XXXX. I had never received a bill from XXXX XXXX XXXX, so I called and talked to the bookkeeper at XXXX XXXX XXXX. She said I did not owe this bill. I then called the billing company of XXXX XXXX XXXX. The agent said I did not owe this bill. 

I then called Transfinancial at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX on1XX/XX/XXXX. After 10 minutes on hold a message said to leave a message as all agents were busy and could not answer, so I left a message No one returned my call.. The next day, XX/XX/XXXX, I called again with the exact same results. Again, the next day, XX/XX/XXXX, I called again with the same exact results. 

I do not believe I owe this bill. I wrote and asked Transfinancial to send me the Date-of-Service, verification of the debt or a copy of such judgment or verification, and the name and address of the original creditor. 

My calls to Transfinancial were attempts to get some information ... especially the Date-of Service. However it they will not answer the phone or return phone calls, they are likely to deny they ever received my letter requesting the information listed above.
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

On XXXX I recieved a ( 2 ) letter ( s ) from Macy Credit Card by Department Stores National Bank and the date of the letter was XXXX XXXX, XXXX. XXXX of the letters, basically approving COVID 19 relief of allowing me not to make payments from a telephone request I made to them on XXXX XXXX, XXXX. Verbally they stated they would, then I recived a letter stating it was approved for 2 consecutive months. On the same day XXXX XXXX, the I received a letter stating they had not approved for several reasons. I called the bank and told them if in fact I was approved for COVID relief and they said no, but continued to tell me my next payment would be due XXXX XXXX, XXXX. I also informed them, that they had lowered my credit limit from {$10000.00} to {$4000.00}. Which definately dropped my score due to utilization rate being so high. 

They claimed they had provided me with Covid relief for 4 months prior, yet the pandemic is still ongoing. I recently lost my XXXX, and my XXXX and asked if they could lower my payment amount to offset my reduced income as I left my job to care for my XXXX and XXXX XXXX. since then I have taken a job which is paying less and I am also a XXXX but my sales have dropped due to taking care of family matters I am requesting they work with me to assist in lowering my interest rate or lowering my payment. Speaking with them has be to no avail. I have never been late on payments with this credit card, they simply stripped my credit limit damaging my credit. 

Why during the panadamic these Credit Card companies allow only a few months when the COVID 19 perisists. 

I need help. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-27
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: 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 {$9600.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account.
Consumer complaint received 2020-02-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

I want to report multiple violations that JEFFERSON CAPITAL SYSTEM is committing to the Free Credit Reporting Act and to my rights as a consumer.

Just to mention two serious violations, see below : 1. Post charge-off interest 2. Incorrect last activity date I am demanding this company to remove the item from my report. I am having XXXX  issues because of this situation.

Please send the attached documents to Jefferson Capital System.

Thank you so much.
Consumer complaint received 2020-12-31
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN HONDA FINANCE CORP (CA)

A few days ago we went to Honda and tried to loan a lease that I already had, but since the beginning I told them not to do any inquiries on my credit, they said its was ok that they didnt have to because I was a client of Honda for many years and that I wasnt going to get any problems suddenly I see all this inquiries from their side I think they are about nine so I called them back to get out of the deal and they recognized That they shouldnt have done that The sales person told me that it was the broker and the broker said he didnt do it and that he is not responsible for it he recognized its wrong and he apologized so please help me. I been working really hard to get my credit up and this is not fair
Consumer complaint received 2020-12-17
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: AMERICAN EXPRESS COMPANY (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (AZ)

CMRE Financial Services is charging me {$510.00} for a debt that was paid by my Attorney, my attorney made that payment on XX/XX/2019 to XXXX who was the original creditor. The check was cleared on XX/XX/2019, CMRE refuses to remove the derogatory mark on my credit report. I have attempted to contact CMRE, specifically a person named XXXX and XXXX XXXX who are in charge of that account. I have attempted phone calls, emails with proof of payment. They refuse to return my phone call.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
According to the Fair Credit Reporting Act, I am requesting an investigation into these items and their subsequent removal from my credit report. I understand that you are required to verify the accuracy of these items with the creditor who reported them. Any information that can not be verified by the creditor should be promptly removed. It is my understanding that, as per 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receiving this letter.

Please send me an updated copy of my credit report to the address provided above. According to the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any parties who have received my credit report in the past six months of any corrections made. 
Thank you for your attention and assistance with this matter. 
SincerelyXXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

I purchased my property on XX/XX/XXXX. Early in XX/XX/XXXX it was sold to Penny Mac. All correspondence advises they accept checks. 
On XX/XX/XXXX I advised them of my proper mailing address On XX/XX/XXXX, I sent a check for {$250000.00} to them- approximately my princ balance. 
On XX/XX/XXXX, I talked with them and they had not received my check. Other check 's mailed out had all been cleared by XX/XX/XXXX but this one with them had not. They assured me they had not received it. ( XXXX ) On XX/XX/XXXX, they still had not received my check, and i advised them i put a stop payment on it ( {$25.00} ). I was concerned now that it was lost in the mail, again they assured me they did not have it. ( XXXX ) On XX/XX/XXXX and XX/XX/XXXXh i paid electronically {$99000.00} each day. 
On XX/XX/XXXX- I received a letter ( dated XX/XX/XXXX ) mailed to the physical address, not my mailing address. Of which they have had the correct address since XX/XX/XXXX, stating they are returning my {$250000.00} check for it is not " certified funds ''. They are claiming now that they only accept checks for regular payment amounts. Included in the mail was also the attempt to send to my mailing address on XX/XX/XXXX stating got returned? 

So to my estimation, it has cost me about {$330.00} in interest, plus {$25.00} and my time because they didn't accept my pmt, advised me they never had it when if fact they did and sent correspondence to the wrong address regarding this matter ... 

On XX/XX/XXXX ( XXXX/XXXX  ) - advised they would go up the chain of command because not accepting my pmt ( when in my agreement, not their policy, does it state they wont take a check? This is appears, knowingly or unknowingly, directly cost me more and they have yet to correct this. Isn't this a compliance violation? Proper billing and crediting payments properly??? 

Since they promised me to call me back by the end of the day on XX/XX/XXXX and have not. I have chosen to email the CFPB on their compliance issues. To settle this account, i respectfully request they reduce my pay off by {$500.00}.
Consumer complaint received 2020-02-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

I owed a veterinary balance on my CareCredit account I couldn't pay in full on time. It was sold to XXXX. After making multiple small one-time payments, I agreed to allow monthly payments from my bank account until paid in full. I paid down to XXXX, but a balance of {$130.00} still remained! Not only was my account not paid, but I added up all my payments to them and they OVERCHARGED ME {$81.00}! I immediately sent an email asking why the agreed upon amount did NOT settle my debt and to return the {$81.00} they took from me. I got a letter stating an investigation was initiated. FOUR MONTHS LATER I GOT A LETTER FROM DIVISION MANAGER, XXXX XXXX -- the account has been closed and I have no further obligation. That is great -- but where is my overpayment return??? I sent a letter to their customer support services in XXXX, MI and got no reply! Please help me demand they give my money back! I am XXXX with very limited income and I need every cent of {$81.00} they overcharged me and decided it is acceptable to keep! They deserve a much more severe punishment for their greediness!
Consumer complaint received 2020-12-17
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. (TN)

The statute of time on debt collections is 7 years. The statute of time on debt collections in Tennessee is 6 years. There is an account on my credit report that has been reporting since XX/XX/2011. I have sent in multiple requests to have this account validated and I have received no response, it is past the time of debt validation and must be deleted from my XXXX, XXXX, and XXXX  credit reports. Please delete immediately. 

The Account : XXXX XXXX - XXXX
Consumer complaint received 2020-12-17
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, MB FIN SVCS add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-17
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: U.S. BANCORP (NV)

After XXXX XXXX XXXX lied about every aspect of their business, history, and proposed service, ghosted every attempt to contact them, refused to provide any service or correction to proposed service whatsoever, ghosted me every time I called, I filed a dispute against the initial deposit that was charged to my card to reserve their truck in SF the weekend we discussed for a move, a truck they neither owned or ever owned according to the XXXX XXXX XXXX. In fact, further DD on XXXX showed that they were a new business only recently registered before my initial contact, that a previous business name had nothing but XXXX, XXXX and upcharge complaints, that very little was legitimate about them. 

When I asked US bank ( XXXX ) whether I need to worry about the dispute or chargeback, they said not whatsoever. Knowing I needed to contract for another moving service and postpone my move for more than a month, I called XXXX again to confirm that I should and could do that, and they reconfirmed the efficacy of the dispute chargeback, at which time I extended my rent ( a little over $ 4k ) and contracted for relocubes from XXXX {$2800.00} and moving services at my place ( {$400.00} ). 

Last week, US bank sent me a letter to say they were reversing the dispute chargeback. They were vague about the reason why but included an estimate that XXXX had provided to them. It was created after the initial deposit had been made, which includes language and terms that were never agreed to, confirmed, or signed. In fact, even with the copy of invalid terms, XXXX has not performed a single task or service listed. Their service level and my dealings with them are detailed in another attachment letter. I truly feel they're a temporary entity created just to funnel customer acquisition to partner firms engaged in rogue moving scams. Every real ( they created XXXX fake reviews before the business was even registered as a business ) review on XXXX since has confirmed this. 

US Bank 's action not only makes little sense, their inconsistent messaging and reversal costs me an additional 5k+. The decision to walk away from XXXX and stay an additional XXXX XXXX months XXXX XXXX XXXX factored in original US Bank decision and the risk of being taken XXXX and XXXX, but I was happy with that decision ( paying the add'l rent and overlap ) to avoid a brush with a criminal organization. US bank 's decision to reverse the dispute not only costs me a deposit which I received nothing for except headaches and stress, it also cost me all my overlap costs because it was the primary factor for deciding to do it in the first place.
Consumer complaint received 2020-02-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Skagit Bonded Collectors, LLC (WA)

Good morning, I would like to start to say that I got very sick on XX/XX/2017. there has been a numerous procedures that took place in XXXX XXXX hospital . I haven't been able to pay the part that my insurance didn't cover. 
I tried to work with them and every time the price goes up in my debts. every day they said accumulate interest. Offer to pay in portions and they said all or nothing and that I'm being sued. I haven't seen any bills, I paid other medical collections bills i don't want to pay the same bill twice. please help me. 
the Agency is Skagit Bonded in XXXX XXXX WA
Consumer complaint received 2020-12-16
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)

Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CA)

I contacted Ally Financial to try to get more information as to why I was reported late XX/XX/2017 and XX/XX/2017 and they couldn't locate my account with my social, account number or address. I requested payment history which I haven't received and I disputed these lates. According to the rep she was able to request the dispute and payment history but coulnd't locate my account which makes no sense at all. I have been very responsible paying this account as well as all of my other accounts and these lates are reporting incorrectly, they're unverified and they are ruinning my credit. I am trying to refinance my home to get an affordable payment in this pandemic and these lates are preventing me from saving my home. This is against FCRA laws and against my consumer rights.
Consumer complaint received 2020-02-27
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 trying to apply for a loan to purchase a jet ski and I was told that my credit had to be reviewed to see if I was eligible. As they checked my credit they told me I was eligible but my interest rate would be high due to my score not being the best. I asked what was the reason behind this and they told me there was some student loans on my account that was hurting me. I have never applied for student loans. The loans do not belong to me. My identity has been compromised. Please delete these student loans from my report.
Consumer complaint received 2020-02-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch (AL)

A Letter was sent to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX to request document 's showing that this is my account. I have not received documents proving the matter. They have reported to all 3 credit B and I have disputed. By law they have to send the necessary information to me and as of today XX/XX/XXXX I have not receive it.Please provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for validation. 
Name and Address of Alleged Creditor : ______________________________________________________________________ Name on File of Alleged Debtor : ______________________________________________________________________ Alleged Account # : ______________________________________________________________________ Address on File for Alleged Debtor : ______________________________________________________________________ Amount of Alleged Debt : ______________________________________________________________________ Date ( that this alleged debt became payable ) : ______________________________________________________________________ Date of Original Charge or Delinquency : ______________________________________________________________________ Was this

Debt assigned to a Debt Collector or Purchased? ______________________________________________________________________ Amount Paid if Debt was Purchased : ______________________________________________________________________ Commission f
or debt collector if collection efforts are successful :
Consumer complaint received 2020-12-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (UT)

For the past couple months I been very overwhelmed with this situation. The credit bureaus have been ignoring my right. This company is reporting inaccurate misleading information I have spoke to the creditor and verify the information. I have spoken to the credit bureaus and they keep takings me in loop around with no answer or any verified information. Im have stayed up countless our and spend over 100 hours trying to figure out this situation. The credit bureaus have not been taking any action to resolve this dispute but sent me to there E Oscar system. This action is really hurting my ability to get credit. This mistake can cost me a few thousand of dollars Over my lifetime. Plz help me solve this situation.