davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc. (TX)

I purchased a high school ring for my daughter from XXXX company in XX/XX/XXXX and I was set up on payment plan. I was late, and made final payment in XX/XX/XXXX. 

I never received notification or reminder about payment, however I understand it was still my responsibility. In XX/XX/XXXX I received a text on my phone that the ring was going to be delivered to the high school. I sent a text back asking questions because i knew it was not paid in full. XXXX XXXX confirmed this with emails. I finally received a mail to my home stating I had a outstanding balance and i was already send to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I tried to resolve this through XXXX XXXX who is their executive account for XXXX XXXX, he said he could not help me and referred me to XXXX in collections department. I asked XXXX to help me resolve this problem, and she referred me to XXXX XXXX XXXX XXXX XXXX. I called them today and spoke to XXXX XXXX. I told him what had transpired with XXXX and told him I had receipts from XXXX and he said XXXX has been their client for many years. Because he had me under my maiden name he still needed proof and was still sending to the credit beau in a few weeks. I explained to him that XXXX did not have my correct email address on file, and could not help me any further. I asked for email address so I could send him a copy of final receipt from XXXX stating the balance was paid in full. He did give me an email address and I send him copy while I was still on phone, he said he try to check since that is not his department. At the end of the day, I felt I received no help, and Merchants could not do anything because XXXX has been their client for many years. 

I am being sent to the credit beau and this account has been paid in full, among other things that have taken place with XXXX, for one they did not have correct email address. Second, anyone I communicated through email at XXXX referred me to different departments. Third, They sent me confirmation they had record of account being paid in full, but yet, they could not help me and I was again referred to Their collections department to speak with XXXX who referred me to Merchants Collections? I don't understand why they can not just help me resolve this meanwhile Im being penalized by being sent to credit beau in a couple of weeks?
Consumer complaint received 2018-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (VA)

We prepaid Real Estate Taxes to XXXX County on XX/XX/2018. Called US Bank before paying and they said send us the paperwork and we will credit your escrow account for RE Taxes that were paid. We faxed information to US Bank on XX/XX/18 that 2018 RE Taxes had been paid to XXXX County in  advance. They did not acknowledge anything. On XX/XX/2018 we called them and they indicated it would take upto 2 months to apply prepaid taxes to your escrow account. Called them up again on XX/XX/18 waited 30 minutes for supervisor. They hung up and never called back. Called again on XX/XX/18 and spoke to supervisor since we received New escrow statement indicating escrow payments were going up on XX/XX/18. 

They claim escrow payments will go up on XX/XX/18, they also claim that they know RE Taxes were paid in advance to XXXX County for 2018 but they can not do anything 2018 RE Taxes were to XXXX County in advance. US Bank has collected RE Tax escrow for XX/XX/XXXX 2018 and want to increase escrow payments eff. XX/XX/18 based on last year taxes and they will not budge from their stupidness. 

Do not understand why they need 15 months of RE Taxes in escrow when 12 months taxes have already been paid.
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been attempting to restore use of my credit card with capital one. I have made monthly payments on time and over the minimum payment due. I have also been making additional payments to ensure the balance is lowered. I have contacted capital one on many occassions to have them review the card to grant access since the account is not delinquent nor has it been for almost 4 months. I have advised that I got better employment allowing me to make the payments and keep the account current and active. They only provided one offer, however I  advised that at the moment the offer was given that I was underemployed. I have contacted capital one multiple times trying to have them review the account and provide them proof of income, etc to have them restore the card. They refuse to restore and refuse to assist. They won't put me in touch with someone who can make the necessary adjustments.
Consumer complaint received 2018-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I received a letter from IC System dated XXXX demanding payment of {$100.00} for a debt owed to a company called XXXX. The account number they assigned is XXXX and the IC XXXX number is XXXX. 

I have attempted to contact IC System by phone but the number provided in the letter goes to a vacant voicemail trunk and there is no other phone number provided. 

I was a stay-at-home mom when my children were small. They are adults now and I have not had children of daycare age for quite some time. Additionally, I have never had an affiliation with XXXX and do not owe money to them. This has not curbed IC System from attempting to collect on this " debt '' that I do not owe anyway. 

What further steps do I need to take to prevent this from hitting my credit report? I have a 800+ credit score and the last thing I need is some scam artist dragging that down. Any help you could provide is greatly appreciated.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-02-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

Recently I went on the Equifax web site the company set-up after the data breech that exposed personal information of 143-plus million consumers. The web site was advertised as a tool to determine if your ( meaning consumers ) personal information was breeched. I entered the required information and received the following reply from Equifax -- - '' based on the information entered, your personal information MAY HAVE ( emphasis added ) been compromised. '' I knew that already! I went on their web site to determine with specificity if my personal information was compromised. My question to the CFPB is this ... Does Equifax have an obligation to inform all people by mail ( since the web site is useless ) IF they are one of the millions effected by the breech?
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2018-02-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX at XXXX I called Bank of America to try to settle a debt. The offer was {$8300.00}. I asked if I could have until Friday ( XX/XX/18 ) to decide. Bank of America said yes. They also said if I decide I would have 63 days to come up with the {$8300.00}. 

I called today to accept the offer and make a payment. However, today they said they the settlement is now {$13000.00}. Whatever happened to offer and timely acceptance? Are banks held to some other standard than the rest of the world? 
They acknowledged they made an offer of {$8300.00} good until today, but I guess they can do whatever they want. Thank goodness the government watches out for such consumer abuse and makes a wrong a right!
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (WA)

Recieved a XXXX XXXX card in the mail today in my name. The only phone numbers provided by the company - XXXX is an automated system that hangs up on you unless you provide a card number or SSN. I am not providing either to a company that is sending me finical accounts that I did not ask for. 

I have no way to contact them to see what this card is about, why, who, or when it was requested. 

I am not sure if they are planing to charge me the monthlyyearly fees associated with this card, as they are hiding behind an automated phone system. 

Associated names : XXXX XXXX XXXX XXXX Netspend XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Lender Inc (TX)

I paid my account off on XX/XX/2018 and I am being told that it would take 10 to 14 days before I get my funds back on the account. This excessive time frame was never disclosed. When closing an account out at a bank it does not take 10 to 14 days. Typically a bank will give you your funds the same day the account is closed. I called an asked for an explanation of the 10 to 14 days and no good explanation was given. According the to the person I got on the phone the bank has some sort of things they need to check on the account which does not make any sense. Rep could not explain any thing further.
Consumer complaint received 2018-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: D2 Management LLC (IL)

Received numerous calls from some company by the name of D2 Management regarding an alleged debt of over $ XXXX. I asked their representative do I have a contract with them and who gave them permissible purpose to contact me as I am listed on the national do not call registry. This person stated that they are calling on behalf of a client that I owe money to, yet she still would not tell me who this company was. They called from a bogus number ( XXXX ) XXXX which is definitely a red flag. If they are a legit company, why not be up front and honest about their whereabouts and their actual real number? The representatives got really belligerent because I asked them questions about the validity of an alleged debt, stating how they can see my credit report and how I don't pay my bills etc. I don't understand how this company can call and harass me although I am on the national do not call list. I asked very pertinent questions about this alleged debt that they just could not answer which caused them to get upset with me and ultimately hang up in my face. I would like this issue to be taken very seriously as they do not have the right to call me at my place of employment and threaten and harass me about an alleged debt that they just can not prove. I will be looking for this issue to be solved and this company reprimanded.
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (IL)

Fraudulent/ Wrong/ Billing Error or identity theft was being done to abuse my tjx credit card without my permission. I didnt give permission to tjx to abuse me ; or my credit card or me for marketing purposes. If they have done that then they need to pay me. 

My bill was {$900.00} on top of which I paid {$200.00} further as a bill payment via my XXXX XXXX XXXX account Online bill payment. 

XXXX launched their XXXX XXXX and tjx increased my bill from {$900.00} to {$2700.00} without me using the credit card and now they want me to differentiate which ones are my transactions and which ones are fraudulent transactions. That representative apologized which ones are somebody elses transactions. 

I told them that I just know that my bill right now should be {$900.00} ( as later on I paid approx. {$200.00} more then now the bill should be around {$700.00} which I need to pay off. ) XXXX is not my bill. 

Few of tjx billing department representatives called me and confirmed that yes there was a billing error ; which caused a problem. He apologized and affirmed that they will remove the remaining wrong charges / billing on my account caused by their mistake and I dont need to worry about this issue. 

After few months when they didnt adjusted the bill I called the helpline but their representatives were misbehaving and were very abusive and forced me to call and create a complaint with XXXX and CFPB by saying that if you have a problem then go create a complaint against our bank because their senior management is involved in this fraud. I dont know the representatives from tjx who called me ; either they called me from their cell phone or it was an official call. 

Please help is required in guiding tjx XXXX XXXX to remove the wrong billing out of my bills i.e. {$2700.00} - {$700.00} = {$2000.00}. Which I didnt use nor I am aware of who did it.
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (TX)

This company, which I hold no contract with nor have received services from, reported a collection account for a debt I do not owe. Never contacted me. 

Out of the blue I go an alert on my credit that I had a new collections account. I have gone through several car purchases, a new mortgage, and a refi over the past 7 years and this account never popped up. I have a clean credit report. Well, I DID until this company decided to come at me. The day I got the alert on my credit, I called them. They say it's from the City of XXXX from late XXXX, early XXXX. They say they had an old address on file and I never received any notices nor phone calls regarding this account until they just decided to report it. 

I asked them for details on it and they said I'd need to contact the City of XXXX to get details. I did, they also say it's for utilities from XX/XX/XXXX, at the address they were sending the notices to ... Thing is, I didn't live at that address in XX/XX/XXXX and the City of XXXX also did not to try and contact me either. Both Contract Callers and the City of XXXX have been completely rude to me. 

Contract callers say they did not get the debt notice in their office until XX/XX/XXXX, about 6 years after the alleged debt. They just now decided to list it on my credit report and try and collect on it without even notifying me or giving me a chance to resolve any alleged debt before listing it. 

As mentioned, I never received a notice or communication, not a letter, not a call, nothing. If they had provided me notice of the debt and given me the chance to validate the debt, I might of been able to validate and resolve any alleged debt before it reached my credit report. However, no one contacted me, just immediately decided to list it on my report for which I immediately called them about it the day I saw it. Completely unfair. Especially after so many years!
Consumer complaint received 2018-02-23
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: EQUIFAX, INC. (NY)

I closed a credit card account in XX/XX/XXXX. Equifax is still listing it on my credit report, even though it is 13 years past the 10-year reporting period. Equifax claims it is the last date of their update/report ( which was XX/XX/XXXX based on my dispute ). It appears from Equifax 's point of view that every time I do a dispute, it will restart the 10-year statute of limitations.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NY)

I have been sending my payments in on time, sometimes they come back as returned, i have setup autopay sometimes they discontinue it because of system errors, i have called in to make payments and they were never processed properly.
Consumer complaint received 2018-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc. (CA)

Last XX/XX/XXXX, I decided to write a letter to this company to request debt validation with regards to account XXXX. To date, I have not received any response from them. This is a total violation of FDCPA. The item still is being reported in my file which I believe is a violation of FCRA. I am doing my part as a consumer, exercising my rights, but this company just violated FCRA and FDCPA. Attached to this complaint is a copy of the letter I sent this company last XX/XX/2017.
Consumer complaint received 2018-02-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KBHS Home Loans, LLC (AZ)

I am reporting XXXX XXXX XXXX XXXX XXXX, Mortgage Loan Originator for false and deceptive practices and for harassment. XXXX has emailed and called me multiple times stating that he needs documents from me to complete a mortgage loan application of which I never applied to or agreed. XXXX and/or his team members emailed and left voicemails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting financial documents. I notified XXXX via email on XX/XX/XXXX to stop contacting me because I am getting a loan with XXXX XXXX XXXX He and his team continues to contact me requesting documents in order for my loan to be approved after my written request. I am getting harassed by XXXX. He is not respecting my request to stop contacting me to complete a loan mortgage application.
Consumer complaint received 2018-02-23
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Texas Guaranteed (TX)

Texas Guranteed failed on many times to call back or even said I would qualify for a Hardship program income pay back, but rather that send me the appropriate work each and every time I tried to do a payment or even provide my checking account they would say well your repayment was never set up, ive signed multiple contracts and when they receive they say not received, im a single  parent XXXX XXXX working about 70 hours a week and then they go out and do this to me, I work hard for my money this isn't fair. now im danger of loosing my home and continue loosing a lot of things because of their negligence and disorder within the company, they claim to want to help but they want to destroy you and make sure you stay down. This is highway robbery
Consumer complaint received 2018-02-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DC)

I've been communicating with Experian for months about items they have listed on my credit report. I've reached out to the original creditors and none of them have any documents linking these accounts to me. So when I asked Experian to provide me with some sort of method to show me how they are verifying that these accounts are mine, when the original creditors don't have this information, and they refuse and dodge the issue for months. 

They did the exact same thing in response to my most recent complaint - other credit reporting agencies removed these false accounts because, when I asked them to produce documents or provide methods used to show that this information is mine, they couldn't because there isn't any. 

I've gone to the original creditors to provide information linking these accounts to me, and they don't produce it so they don't have it. 

So my question - and my issue is - how does Experian justify having this information on my credit report? I don't give a XXXX how differently you interpret the FCRA, what is clear is that I have the right to ask you for any documents or proof bearing my signature linking me to these accounts. And in the absence of this proof, you are supposed to remove this information from my reports. 

That is the issue. Not repeated requests - one request : show my your paperwork. 

Not about what other CRAs have done, they followed the law. 

It's not that I didn't go to the Original Creditors - I did that and that's why I know there's no documentation linking me to these accounts. 

So, either provide me with documents stating that the accounts you're reporting are my accounts, or remove them from my report.
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I applied for a Home Depot credit card, offered and serviced by Citibank, to purchase {$420.00} of merchandise. In XX/XX/XXXX I received a collection call from Citi that my payment was late. I told them I never knew a payment was due because I didn't receive a statement. The collector asked if I would like to make a payment over the phone. I told him send me the bill, I will review the charges then make the full payment. I also asked if he can you waive the {$25.00} late fee. He agreed to waive the late fee once the payment was received and if I called back. There was no mention of when his promise to waive the late fee would expire. Shortly after our conversation, I received the bill and paid the entire {$420.00}. 

XX/XX/XXXX I noticed I had 2 late fees - one for XX/XX/XXXX and another late fee for XX/XX/XXXX. The second late fee was applied because my first ( XX/XX/XXXX ) late fee was not removed. I called on XX/XX/XXXX and they removed the most recent late fee, but stated they can not remove the original late fee because it was against company policy. After multiple hours ( combined conversations ) with several difference collectors, a  review of the original call log. They refuse to waive the fees that were a result me never receiving the original statement. 

I made the full payment of {$420.00}. The only reason I was charged 2 late fees was because I never received my first billing statement and because the original late fee was not removed.