davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (DC)

Hi XXXX, XXXX XXXX billed my insurance three times for the same services. My insurance provided them with the payment for the services that were rendered but they are still trying to collect the an amount from me that my insurance has confirmed is not due to them. Both my insurance company and myself have explained this to both the service provider, XXXX XXXX, and their credit collections agency, XXXX XXXX XXXX, in early XXXX. However, I still continue to get harassing phone calls from their collection agency. If it helps to rectify the issue the original XXXX XXXX XXXX XXXX claim numbers are Claim # XXXX, Claim # XXXX, Claim # XXXX. If you call XXXX of Tennessee with those claim numbers, they should be able to assist you with any information you may need. 

Thank you, XXXX XXXX Mobile : XXXX
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: DMB Financial, LLC (OK)

I have entered into a debt settlement with DMB Financial. My enrollment was XX/XX/XXXX I did not have any problems with them until I made a decision to close two accounts in XX/XX/XXXX. I made contact with XXXX XXXX and explained that if we did not close The XXXX XXXX account they were going to charge penalty interest of XXXX dollars. Additionally, I explained to her that I wanted to close my XXXX credit card account last four ( XXXX ). I asked her to tell me how much it cost to close these two accounts.She told me after talking to debt settlement consultant that I would have to pay XXXX cents. These express directives given by me to Ms. XXXX. XX/XX/XXXX I found out that neither account was closed. However, I was charged three debt settlement fees in excess of three thousand dollars. I hav documents supporting documents. I have called the new DMB agent XXXX XXXX on these areas.They have not returned my calls.
Consumer complaint received 2018-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WY)

1.Wells Fargo Mortgage ( " the Bank '' ) has held mortgage XXXX on my home since XX/XX/XXXX. 

2. I have made transfers from another Wells Fargo account to pay this mortgage since that time.

3. At no time have I been in arrears with the payment.

4. Unlike transfers to other accounts, to other persons or businesses, Wells Fargo 's online transfer system will not allow customers to amend or alter the transfer information for mortgage payments, so consumers must rely on the Bank to make any necessary changes.

5. In early XX/XX/XXXX, the escrow for insurance payments on this loan was removed since I make the insurance payment myself. ( See escrow cancellation letter from Wells Fargo attached. ) 6. Removing the insurance payments from escrow resulting in a reduction of monthly mortgage payment from {$1500.00}, payable in two installments on the XXXX and XXXX of the month in the amount of {$770.00} each, to a monthly payment of {$1300.00}, payable in two installments on the XXXX and XXXX of the month in the amount of {$690.00} each. 

7. On or about the XX/XX/XXXX I called the Bank to have the monthly payments changed to reflect the reduction in monthly payments and was assured this was accomplished. 

8. Subsequent checks to my online account showed the reduction in the required transfer amount had in fact, NOT been made. 

9. I spoke to the bank on four separate occasions, spoke to two supervisors, and was assured the issue was resolved each time. One of the Bank 's representatives said the matter would be resolved by XX/XX/XXXX and that an email would be sent to me confirming the resolution. ( See email from Wells Fargo dated XX/XX/XXXX attached ) 10. Despite the Bank 's representations to the contrary, as of XX/XX/XXXX, the reduced payment amount for monthly transfer has not been set up by the Bank. ( See screen shot attached, taken XX/XX/XXXX ) 11.  Given the Bank 's history of illegal practices, and the false representations I have received from multiple representatives about this issue, I have no reason to believe anything they say. 

12. I would like written confirmation that the reduced transfer payments of {$690.00}, payable on the XXXX and XXXX of the month have been set up by the Bank. 

13. The amount at issue in my case is not great, but given the Bank 's past practices, if this were done to millions of consumers, it would illegally enrich the Bank by a pretty penny.
Consumer complaint received 2019-08-21
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. (WA)

XXXX XXXX XXXX is reporting incorrectly a collection in the amount of {$3800.00} to Equifax ; XXXX and XXXX  on the XXXX XXXX XXXX account number XXXX. The original creditor is XXXX at XXXX XXXX WA. ( Please see page 3 attached from my credit report. ) When the terms of my lease expired, the property manager of the apartment complex returned my entire security deposit. The unit was immaculate when I vacated. Shortly thereafter, the same property manager decided to charge me for carpet replacement in the unit that I had previously leased. The unit had hardwood floors throughout. There was never any carpeting in the unit. When the property management company was made aware that their leasing agent had done this, the property management company took it upon themselves to rig the Invoice and reduce the amount I was falsely being charged of owing down {$1500.00}. The entire amount they have sent me to collections for {$3800.00}. I did not then, and I do not now, owe this money. I was given back my full security deposit in good standing, and this is clearly an attempt to get money from me that I do not owe. When I discovered this collection item on my credit report I immediately tried to contact XXXX at XXXX XXXX WA to request an itemization and proof they can legitimately charge me this sum of money when I clearly no longer lived there, nor had any kind of a lease associated with the unit they claim I owed for carpet replacement. I have contacted the ( 3 ) bureaus to remove these items from my credit report however, I have not been successful. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report.
Consumer complaint received 2019-08-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (MA)

US Bank is selling my home ( XXXX XXXX XXXX, XXXX, MA, XXXX ) via an auction on the XXXX of XXXX, according to a letter I received from the Bank. They called me today to say that they will address my concerns via a letter which will be received by the XXXX of XXXX. I asked if they were still planning to auction off my home, as I am on the title and paid the down payment. I am not on the mortgage, according to the representative, so they could not speak with me about this foreclosure sale. The person who called me gave me the following number - XXXX. 

My name has appeared in the newspaper under the foreclosure of this home, damaging my professional reputation. This is disparagement, and appears to be fraud. 
The bank refuses to speak with me despite a court order signed by co-owner XXXX XXXX authorizing them to speak with me. 
The person on the note is XXXX XXXX XXXX, and his attorney is NY attorney XXXX XXXX. I believe that there are fraudulent documents involved in this case. 

XXXX XXXX was also ordered by the court in XXXX to pay a portion of the mortgage, which he did not do, despite having the funds to pay. This is a case of financial abuse by US Bank, XXXX XXXX, and attorney XXXX XXXX.
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

I paid my account in full on XX/XX/2018. The amount paid was {$110.00}. I apparently did not even owe this amount. The payment was never posted and I thought I still owed a balance so I made another payment of {$25.00} on XX/XX/2018. The total balance I actually owed was {$110.00} - minus the late fee I already disputed, brought my balance to {$81.00}. I stated to them I had paid on time and my bank shows the payment was in fact processed. They reversed the late fee, and now have posted the second payment of {$25.00}, however the first payment of {$110.00} has still not been posted. I faxed and emailed the proof of payment to them. They state it is going to take up to 2 billing cycles to rectify the missing payment - in the meantime they still expect me to keep making payments. They now show my account still owes {$10.00} of a payment and the rest of the balance due. ( And the payment is late according to them. ) Due to the " late '' payment they could potentially report that to the credit company, as non-compliance. I do not wish to keep sending a payment to a company for a balance I do not owe, when in fact, they owe me. My account is now paid twice over, as the outstanding balance is only {$56.00} and I have an outstanding payment not posted for {$110.00}.

I would like to charge them interest. It seems like a fair option. They would be charging me if I had not made the payment. They charge me interest monthly, and in fact lowered my credit limit, stating that they based it on my credit history with OTHER lenders. I have a good payment history with them and pay off my bill every couple of months. I also make double payments on all my other credit cards.

I just want them to post the payment that I have proven I made. Post it in a timely manner, They have cashed the payment, and thus are collecting interest on the money I supplied to them. I want my money back, with interest. I also do not wish to wait for them to issue a refund via check when they get around to it - if they can take the payment electronically - they should be able to refund my over-payment in the same method,
Consumer complaint received 2019-08-21
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. (MS)

I have emails and recorded phone calls dating back to 2017 proving retaliation, abuse of authority, refusing to remove fraudulent information from my credit report, failing ( refusing ) to provide updates on status of investigations. The Office of Consumer Affairs, in XXXX, GA, has discriminated against me. The staff is unprofessional. They have intentionally refused to remove fraudulent information from my credit report. 

I am specifically requesting an agent with CFPB contact me to investigate Equifax, and specifically its Office of Consumer Affairs. The XXXX American customer service representatives : XXXX, XXXX, XXXX, XXXX, XXXX, and others have violated my rights since 2017. Theyve continued to allow companies like XXXX XXXX and others to put fraudulent collections on my credit report. These customer service representatives will put fraudulent addresses BACK on my credit report that have been previously disputed and removed. 

The prejudice, discrimination and racism Ive endured since 2017 by the Office of Consumer Affairs has taken a toll on my health. Im under extreme duress by their continued attacks. They use their positions with Equifax to appear that theyre following the law and responsibility of the office, however, they are not. They are bullies. They are quietly and discretely attacking my credit report and credit score. 

Currently there are 3 hard inquiries on my credit report that were not requested by me. I did not authorize these inquiries. There is currently 1 fraudulent collections item from XXXX XXXX  on my credit report. I have been reporting fraudulent collections actions on my credit report for 3 years consistently. I am consistently dealing with the same customer service representatives in the office of Consumer Affairs. For the past 3 months Ive been fighting to remove the fraudulent collection action by XXXX XXXX. Equifax has merely relied upon a statement submitted by XXXX XXXX  that the debt is valid. There was no evidence that submitted proving that the debt is valid. This type of action, by XXXX Office of Consumer Affairs has taken place since 2017. 

The actions of the Office of Consumer Affairs via Equifax are harassing me. Their conduct should be illegal. When I contact Equifax, when my social security number, address, and date of birth are verified by representatives in another country, I am always transferred to the Office of Consumer Affairs. There is something in Equifaxs system that requires me to be sent to the XXXX Office of Consumer Affairs. 

Regards, XXXX XXXX
Consumer complaint received 2019-05-08
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. (GA)

Equifax and XXXX  are reporting incorrectly that I am 90-120 days past due on XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2021-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

The pastor who works with kids in bad neighborhoods and sometimes they think my card with Chime theres a free ticket to fun. I have had to replace several cards. Although I have filed my share of disputes legitimate ones Chime has never signed it on my side ever. Their investigation is boilerplate and lacks any sort of substance? I for a long time has battled them and I think and received one temporary credit. Thats neither here nor there whats upsetting is the fact that I filed a dispute Subsequently closed my account for it. Chime guarantees protection under the XXXX symbol and should be sued for the same reason XXXX XXXX XXXX is currently being sued which is touting that XXXX symbol and pretending like theyre a bank only they dont honor the commitment of a bank to protect you 24 seven against fraudulent charges disclosure my account has not gotten in the way of the receipt of the IRS refund my family and I so deserve and I dont think the Chime should be in business anymore and all Ive put nearly {$40000.00} into that bank in the past three months and theyre not very grateful for it
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NV)

XXXX  XXXX is attempting to charge interest on top of interest. This began within approximately one month after XXXX XXXX extended me credit & opened an account on my behalf. My first statement was dated XX/XX/2018. I have paid off in full each month the purchases accrued. I believe XXXX XXXX uses overly aggressive if not Illegal calculations which don't consider, for one thing 1 ) credit when an item is returned and that transaction overlaps 2 statement periods..There are i am sure other overly aggressive tactics employed by XXXX XXXX in the name of tacking on interest. 

I have called them each time I received a new statement which showed interest and explained and provided proof that full balances were paid timely & asked that the situation be permanently corrected, to no avail. 

I request all interest ever charged be removed and/or credited back to my account
Consumer complaint received 2018-09-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Outsource Group, Inc (TX)

I got a call from hospital personnel, about my survey and why I was not happy with my day nurse. I told her I told the nurse I needed formula and she wanted me the breastfeed and would not get me the formula. I told her I felt the nurse was shaming me for not wanting to breastfeed. 

She said since I was not happy with the service I got, that they would be waiving my copay I was not notified that they wanted be to pay, because of the agreement I did not receive any form notification that I was owing them. I was under the impression that everything was taken care off.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

I was made aware of being a named beneficiary of my deceased 's father IRA last summer and elected to have the funds dispersed to me via check instead of rolling them over into an additional IRA. 

XXXX XXXX I received a letter saying a rollover IRA had been opened instead of the distribution of funds. 

XXXX third I received an additional letter stating the funds would be sent to me via check in totaling {$3000.00} after taxes After having never received my check I followed up with Citibank 's retirement plan services on the phone. They told me I received and cashed the check XX/XX/XXXX. I requested an image of the cashed check which was sent to me XX/XX/XXXX. The check image clearly shows the check was not made out to me or anyone affiliated with me and was then cashed by this random person. 

Since then I have periodically made contact with citibank at least once a week requesting a new check be redistributed. I have filed XXXX seperate fraud claims in XXXX of XXXX and XXXX of XXXX. 

I received a letter XX/XX/XXXX from CItibank stating no mistake was made after my fraud investigation in which they then provided a much small version of the image of the check that was cashed by the random person the previous XXXX. 

XX/XX/XXXX I received confirmation that they were once again evaluating my fraud case that they have since then closed. 

XX/XX/XXXX I spoke to retirement plan services again via their call center, they finally acknowledge that the check was sent to the wrong individual and allegedly escalated my case XX/XX/XXXX I spoke to retirement plan services again to follow up on my case they indicated they were working on it told me they were sending me another fraud statement I needed fill out and send back for the third time. I informed them I've already submitted fraud cases twice which they then acknowledged and said they were attaching my previous fraud documents to the escalation. They said they hope to have an answer for me next week.
Consumer complaint received 2019-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (WI)

I closed this account in XX/XX/XXXX after multiple calls about billing issues that happened the previous couple of months. On XX/XX/XXXX I spent over an hour and a half on the phone with them disputing a XXXX install fee for an installation that didnt happen and they just kept telling me I had to pay it. Then preceded to tell me that if I had telephone service I didnt need the internet but if I had internet I had to have telephone service and when I questioned that the agent said I supposedly called in on XX/XX/XXXX at XXXX and canceled my phone and when I asked what time did I call in and cancel my internet service he said there system didnt have a time stamp and when I repeated what he previously told me he said there system didnt have a date stamp. I asked to speak to his supervisor and when he got on the line I asked about the calls being recorded and told him if he went back to an hour and fifteen minutes he would hear the two conflicting stories the agent told me. He said ok then hung up on me. I called back and I let the first agent I spoke to know what happened and how upset I was about she transferred me to a agent named XXXX I explained all the issues I had with them and she said went ahead and closed the account and put credit on there to cover the install fee and the penalty fees for early termination so I didnt owe them anything. I received the final bills showing the credits and a XXXX balance. I thought it was all taken care of continued to receive junk mail from them saying they wanted me to come back. Then I received a collection letter from the first company in XX/XX/XXXX saying I owed XXXX  {$750.00} I called them and they said XXXX  closed my account in XX/XX/XXXX due to non payment I disputed it with them and called XXXX  directly and disputed it they couldnt tell me where the charges came from but I had to pay it. Then I received another collection letter from a different company in XX/XX/XXXX this time saying I owed XXXX  {$520.00} and they closed the account in XX/XX/XXXX I disputed it again. Then in XX/XX/XXXX I received another letter from a third collection company saying I owed XXXX  {$350.00} I called them and they said XXXX  close sed my account in XX/XX/XXXXand I told them this is the third company and I have disputed it each time and they keep changing the amount owed and now when they closed the account I paid the final bill minus the XXXX install fee and the agent put enough credit on my account to cover that and the early termination fees so I didnt owe them anything
Consumer complaint received 2024-08-26
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information was erroneous. The EXPERIAN and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Balance : {$29000.00} XXXX XXXX  XXXX Balance : {$5200.00}