davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute erroneous information on my profile by Experian. Experian is refusing to delete erroneous information which has proven to be false per the Credit reporting Act. The Creditor XXXX XXXX XXXX. This account was never late. On XXXX/XXXX/2015, I sent a cashier 's check to the lien holder. In the memo line showed this was 12 months of car payments. The lien holder is now noting my account as being late. Which it has never been late. I have attempted for XXXX to delete this account as it has never been late, but yet they refuse. The Creditor failed to apply the funds as directed and inadvertently reported a late payment due to the negligence of the creditor. All parties are aware of this fact. i submitted proof/documentation of said events to Experian. The credit bureau has refused to do a proper investigation and allowed erroneous information to be reported to its agency. This has cause personal hardships.
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

ChexSystems has n't contacted the Bank nor investigated this matter as they argued on dispute XXXX. On their resolution they said " disputed information has been verified to be accurate '' If you see the dates of this complaint and the attached XXXX XXXX letters dated XX/XX/XXXX and XX/XX/XXXX, confirming the account was settled in full in XX/XX/XXXX and stating that XXXX XXXX requested ChexSystems to update the account accordingly both entities are in non compliance of the FCRA. The issues in dispute are the account terms, status, the obligation to provide accurate information, the obligation to update it on timely manner.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have tried several times to have my current address updated and to have the previous addresses removed without success. As per the request of the companies, I submitted copies of my social security card and driver 's license in addition to pay stubs and bank statements. To date the changes have not been made.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

The account in question was my spouses. She passed away last XXXX. The bank is Citizens tBank. The account is on {$1700.00} and does not have POD. There is no other assets in my wifes name so no probate is necessary. The state of Massachusetts allows a bank to give $ to surviving spouse with death certificate and will if under {$10000.00} and 30 days have passed. Probate would cost me {$1500.00} and there is only XXXX in the account. Please advise if you can help or my options. Thank you
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This complaint to TRANSUNION for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (UT)

We purchased our home in XX/XX/XXXX at the peak of the real estate market in our area. As first time home buyers we were excited but uneducated on the varying types of loans. We qualified and received a 10 year A.R.M. loan. We have diligently made the payment every month on time till XX/XX/XXXX when our rate adjusted and our payment increased {$660.00}. We were aware of and anticipated the rate adjustment but the actual increase was far more than expected or sustainable with our budget. Over the years, we have reached out to several different mortgage brokers for direction. However the outcome was always the same and no one would refinance our loan for the followings reasons ; 1 ) we are self employed 2 ) the loan is not a XXXX or XXXX and 3 ) negative equity. Time and time again the advice was " just deal with the payment when it adjusts '' or " sell the house prior to the adjustment ''. 
XX/XX/XXXX we decided to the best option for our circumstances was a loan modification through our lender Citi Mortgage Inc. We contacted Citi and requested a loan modification. We were assigned a 'dedicated Single Point of Contact ' representative to assist with the process. Paper work was requested. Paperwork was returned. More paperwork was requested and returned. Again more paperwork requested and returned. Its been 5 months and we are still waiting for a decision - " it is still in underwriting ''. 
The egregious processing delay has caused extreme frustration and caused further financial hardship, hardly the help and hope they ( Citi ) advertise.
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

XXXX XXXX XXXX incorrectly reported 30 days late for our XX/XX/XXXX mortgage payment. We disputed the error both directly with XXXX as well as with Equifax. On XX/XX/XXXX at XXXX XXXX, we received a message from a XXXX representative stating that the 30 days late was corrected and that our credit reports would be corrected in ~ 1 week. We have the recorded message. To this day, our credit reports have not been updated to reflect the 30 days late correction and we have received zero written correspondence from XXXX regarding the correction. We 've talked many, many times with several XXXX representatives about getting our credit reports updated and each time, receiving no information or wrong information. We talked with a representative on XX/XX/XXXX and was told that the corrected account information would download to the Credit Bureau 's on that day and for whatever reason, this did n't happened. When we called on the XXXX of XXXX to follow up, we we 're told the Credit would n't be updated until XXXX of XXXX. This is totally unacceptable and we need help resolving the issue. This has cost us a higher interest rate for the purchase of a 2nd property.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/2023 I received an email from XXXX stating a transaction in the amount of {$820.00} was approved. I immediately called the number on the email. I was told there were several loans being applied for as well. I was instructed to go to an ATM do several transactions in order to track the person doing this. The total amount of transactions is {$5000.00}. ( I have been under extreme stress which XXXX said it can cause you to do things out of character ). I was told it would be back in my account in 30 minutes. 
Driving home it all hit me that I was scammed. I immediately called the bank to stop it. They said I had to wait till it was no longer pending. Next day I filled a fraud issue. 10 days later they denied giving me the money back. I am a senior citizen on a fixed income. I've been with this bank a very long time and I feel they failed to protect me and all the money I had to my name. I was also denied an appeal.
Consumer complaint received 2015-08-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I have been trying to get a loan modification from Wells Fargo and it has been a nightmare. They have done everything in their power to keep me from applying for a modification. They said that first I need to do a forbearance for four months. Now they are pushing me to do a short sale. I have payments made to Wells Fargo that have gone unreported. Then they gave me another address to send my payments to. I did that before the due date and they tried to tell me that they did not get it until late. They request paperwork that I have sent them over and over again. Then they assign me to another person after a while and they start the whole process again. My account is a XXXX ACCOUNT. PLEASE HELP ME!!!!!
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The is an auto loan account with XXXX XXXX XXXX, hereafter listed as XXXX, that is showing a 30 day late payment in XXXX of 2021 that should not be reflected as being late. After several attempts to update and filing legal action against XXXX I received a settle confirmation from them that they requested that the information on my account be updated to correctly show, paid in full and never late. They specifically stated the XXXX  2021 30 day late would be requested to be removed/updated to never late and the balance on the account reflecting {$0.00} paid in full. This was nearly 6 months after the account had been paid in full after 3 attempts with TransUnion to have the information updated because they were showing a balance of over {$15000.00} with the 30 day late but they continued to respond verified/accurate. I have attached a copy of the documentation that my attorney provided me from XXXX which I shared with TransUnion. I section 2 of this document you can clearly see the information I referenced. TransUnion not updating this information this information is a direct violation of the FCRA and needs to be addressed immediately.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Hello, I've had Wells Fargo since about XXXX. I'm recently going through a divorce and added my soon to be ex wife on about XXXX or XXXX. I've tried closing the account but Wells Fargo wouldn't let me due to my soon to be ex wife needed to sign a paper to close the account even though it was my account originally. My soon to be ex wife won't sign the papers and the Wells Fargo account hasn't been used since XXXX so a bit over a year and a half. Each month they charge me a monthly fee and overdraft fee. Also last year my car was repossessed by XXXX and I read on your website about compensation about that. Please help and thanks.
Consumer complaint received 2016-09-15
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (MT)

Dealing with bank that is notorious for trouble, and discrimination. Tried getting secured loan, first told I was denied for not having enough money in savings account, branch manager informed me to put just XXXX more in savings account, no problem, did that, branch manger resubmitted request, now I 'm denied for debt to income ratio. District manager gets a wiff, now she files complaint on my behalf realizing there is something definitely wrong, something I 've been saying 30 years now.
Consumer complaint received 2023-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc (SC)

A bill dated XX/XX/XXXX in the amount of {$740.00} from XXXX XXXX XXXX was paid in full with my HSA card on XX/XX/XXXX via XXXX. In XX/XX/XXXX I recieved a collection notice from H & R Accounts Inc., XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, IL XXXX for two line items from the original bill. One in the amount of {$660.00} and one in the amount of {$31.00}. My wife called XXXX XXXX XXXX to ask about the collection notice and explained to them that the bill was paid in full via XXXX and was then told they don't use XXXX, she would have to call XXXX. My wife called XXXX who told her the bill was paid and was settled. My wife then called H & R to dispute the debt and gave them information related to the payment and asked if they would like the proof of payment/reciept sent to them and they declined but agreed that the debt was paid. 

We then recieved a call from XXXX XXXX XXXX and had a similar conversation and were told the account should not have been sent to collections and that it would be taken care of on their end. My wife again offered to send the proof of payment and was once again told that it was not necessary. 

Yesterday we recieved another letter from H & R accounts dated XX/XX/XXXX stating that the enclosed document would " validate the debt ''. However, it only shows proof that the charges were transferred from XXXX XXXX XXXX to H & R and in no way validates the debt. If anyone had botherd to look at my proof of payment they would not be able to validate the debt. 

My wife has spent countless hours trying to get this issue resolved. She has called the hospital, XXXX XXXX XXXX, the insurance company, XXXX, the merchant phone number provided by XXXX, the collection agency, and the financial counseling office of the hospital. No one has been able to help. The merchant phone number provided by XXXX is XXXX. A voicemail for XXXX XXXX has not returned the eight messages my wife left asking for help with this issue. 

Only two line items from the original bill have been sent to collections. The remaining three line items totaling {$41.00} from the original bill of {$740.00} has been properly allocated. For some reason, the two line items that have been sent to collections have not been properly allocated to the correct provider. I do not know what else we are supposed to do to prove the bill has been paid. I have proof of payment that includes the Transaction Date, Transaction Amount, Authorization #, Merchant ID, Merchant Phone Number, HSA routing number, Response Code, Last 4 digits of HSA Account, Authorization Code, Response Code, Transaction Timestamp, and Provider Visited. 

The debt has been paid. I have proof of payment. I welcome any assistance the CFPB can provide me in rosolving this issue. I take my credit score very seriously and do not want an issue that is not my doing to affect it in any way.
Consumer complaint received 2023-05-15
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: HCFS Healthcare Financial Services of TeamHealth (FL)

To Whom It Concern at XXXX. 
I received a bill from you on [ insert date ] and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 
I await your reply with the above requested proof. 
Kind regards, XXXX XXXX I have sent them this on several different occasions they have not been able to validate the account, showing me any kind of agreement or my signature between me and the service provider.
Consumer complaint received 2023-05-15
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. (FL)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-15
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. (FL)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc. (CA)

I am being charged {$1400.00} by a debt collector called Coast To Coast Financial solutions because of a debt history i have with a garbage utility. They told me that its been under my NAME since 2021. This is NOT true. I have proof its under a different name and it was recently changed without my authority. 

I do not live in the household and my name was used. I told the XXXX company to reverse the name because I am not responsible for this bill and they told me to contact collections. This is very frustrating to know that someone can authorize my name without my permission and live off a garbage bill for quite some time. Its very sad and I can not afford to pay this. 

I need help to get this removed. I do not live or own this house so this is unfair. I feel someone used my name without knowing. I am providing proof of a bill from last year under the name XXXX XXXX XXXX which is not my name.
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BARCLAYS BANK DELAWARE (NV)

I have this " XXXX XXXX '' gift card for a few years. Because of Covid and other health related situations, I have not used the gift card until yesterday. I always write down the balance on the card ( {$110.00} ). Surprizingly, I was told yesterday there is almost no blance on the card ( XXXX cent ). 

I contacted XXXX XXXX customer support and requested a transaction history. I was told that they do not have transaction history. 

I live with my husband and no one gets access to my storage. There is zero chance that this gift card gets used unless there is some fraud involved. It happened before years ago that a store clark used one of my gift card. I suspect something similar to it might have happened on this account.