davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (NY)

On XXXX/XXXX/16 I rented a car from the XXXX Car Rental desk at the XXXX Airport desk with for a vacation ultimately ending in XXXX where I would be dropping the car off at XXXX Airport 's XXXX location. In XXXX, the counter person ran through the rental information with me quickly only explaining the Liability Insurance I could purchase in addition to the rental, which I did. While driving from XXXX to XXXX I was traveling south on XXXX when an XXXX passed me and kicked up a pebble which hit the windshield, causing a small chip. I immediately drove the vehicle to the XXXX XXXX Location asking for assistance where I was rudely turned away. When I finally arrived in XXXX to return the car on XXXX/XXXX/16 I was told that I did not accept the correct insurance ( Loss/Damage ) and that XXXX XXXX ( the privately owned location who owned the car ) would make the determination whether to file a claim or not. The counterperson in XXXX believed that no claim would be filed. 
It was n't until XXXX XXXX was I notified that a claim would be filed. I received a phone call from XXXX XXXX XXXX whom was handling the claim on XXXX behalf. After this call I immediately contacted my US Bank Visa card company to file a claim. During that call, I was informed that you must file the claim within 45 days of the incident, but when I explained to the customer service representative that I was only hearing via phone that a claim would be filed 2 months after the incident, the representative told me to submit any and all claims paperwork I receive. I finally received a letter indicating a claim would be filed ... not an actual claim, with no mention of exact damage/replacements needed on XXXX XXXX ( dated XXXX XXXX ). I forwarded this information to US Bank Visa per my instructions. I received the itemized claim on XXXX XXXX ( dated XXXX XXXX ) totaling {$590.00} and before I could submit this form toward my claim, I was called by US Bank Claim Services that my claim was denied because it is outside the 45 days. That said, I did submit the proper paperwork within 45 days of when i was notified of XXXX 's desire to peruse the claim.
Consumer complaint received 2017-05-29
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. (AL)

Open Date :   XXXX /2016 {$3600.00}  Open Date  :  XXXX /2016 {$860.00} I was told that each contract was cancelled and after months it was not removed.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (WA)

XX/XX/XXXX my mother passed away. I am the executor of her estate. She held a American Express XXXX Credit card ending XXXX. The card was not recovered in her personal effects or at her residence. A collection agency ( XXXX ) was assigned by American Express for collection of an outstanding balance. XXXX Services provided all the statements for a review since the card was not recovered and suspected fraud had taken place. In XX/XX/XXXX XXXX Services was provide all the information including police report, forge signature receipts for purchases and the request made for credits issued against the account. XXXX Services forwarded all the information back to American Express for resolution. American Express assigned a case number however they have failed to make any credits to the account. Numerous letters, faxes and phone calls have failed to resolve the issue. XXXX complaint XXXX Failed to resolve issue. Attorney General XXXX complaint XXXX resulted in forwarding complaint to Comptroller of Currency XXXX XXXX. Follow on phone contact with Comptroller of Currency forwarding complaint to your office as of XX/XX/XXXX. Comptroller suggested contacting XXXX Bank whom took over American Express XXXX Credit lines. Phone Conversation with XXXX Bank confirmed that only active accounts had been transferred from American Express and they had no information available concerning the account or the account holder. Although sufficient documentation has been provided to American Express they have refused to act, or communicate effectively across departments or with the administrator of the card holders estate. I can provide all the documents that have been transpired to support the complaint. The credits in the amount of {$3700.00} be paid back to the XXXX Trust request has been made several times, but American Express has continued to fail to act for an extensive period of time.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (GA)

There are a series of credit inquiries on my reports that I did not authorize. They began appearing after a credit card was stolen from my mailbox. I 've written letters to the companies listed on my reports and have disputed with all XXXX credit agencies to no avail.
Consumer complaint received 2016-07-05
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (FL)

I had an account with Citibank and due to the ending of a XXXX year marriage ( divorce ) that financial devastated me, and I defaulted, I lost my house ( I lost everything ). 
I am trying very hared to correct/improve my credit ( at age XXXX I do not have many earning years left ). 
The issue is that Citibank sold my account to a third party and my credit report shows a opening date of XX/XX/2016 not the actual date and is adversely affecting my ability to acquire credit.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2016-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JH Portfolio Debt Equities, LLC ()

company illegally reporting debt that is not theirs and is not original debtor as well as is out of date for reporting as well as is debt that was illegal bank charges for debt card purchases under XXXX charge
Consumer complaint received 2016-11-03
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Associates, Ltd. (WI)

Collection Associates has XXXX accounts open in my name. The most recent XXXX XXXX XXXX XXXX, I do owe. The prior XXXX accounts date around XXXX. They are from xrays and labs performed within my providers building. It is standard practice that you provide your insurance at the counter when you check in. Even according to the website of these services, they state they obtain the information from the hospital or doctor. The collection company will verify that I stated in every phone call that the company needed to properly submit the insurance. I had verified insurance, my other doctors from the same dates of service had done this just fine. By the time this was brought to my attention by the collection company, even if I had submit the insurance myself it would have been denied due to timely filing. The collection company has known I dispute this amount since everytime I have spoke with them, I explain the responsibility of the office and the issue. They have directed me to the providers, or even said " there is nothing we can do because that company is n't our client anymore ''. The providers say the account is in collections and there is nothing they can do. As a manager of a providers office, I know that you have a responsibility when you work with insurance or are in network with them. You also have these situations in your payment agreement. I have requested the collection company verify that the debt they are trying to collect on is collectable based on the agreement with the providers and myself. I also asked that they provide proof that they had actually obtained my insurance information as they state they do, since other providers submit these claims successfully. This has not been done. The collection company asked me to provide proof the claim was submit to my insurance or denied timely. I asked what that would show, and I was told it would show " I actually gave my information ''. I asked what proof they have when they go to the doctor that they gave them a copy of their card. The response was " well I actually do it. '' I am shocked at the level of irresponsibility and unprofessionalism. I was told initially there was nothing I could do but in my professional roles over the last few years I learned how wrong these practices are. Here is the link to the web site of XXXX of the providers I am referencing with their practices, where they even state they may have a delay and rely on the information of others, or they will contact you. By the time it was brought to my attention it was too late. I had previously thought it was processed, or being resubmit, since my other providers they get information from had no problem. XXXX
Consumer complaint received 2016-08-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (WA)

I have made my mortgage payment to DiTech on XXXX XXXX, but has still not been taken out of my account. Online DiTech site shows a payment was applied for the date I did the online payment. I 'm wondering and waiting for the payment to actually be debited from my account but also think this tactic is to get more late fees from me. DiTech has not let me know by mail if my loan modification loan was accepted or denied. I put the paperwork in XX/XX/XXXX and was told on a phone call in XX/XX/XXXX my paperwork has n't had a loan person assigned yet as I have a XXXX loan. I just need to know what 's going on other than by harassing phone calls about my late payments. Not at all happy with them and think the federal government show investigate this compsny
Consumer complaint received 2017-05-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (IL)

I am currently working with a third-party credit repair agency,   XXXX   XXXX    XXXX , by which have any and all phone numbers listed to   XXXX   XXXX   have been added to a do not call list and any phone calls to me while I am working with  XXXX  puts them in violation.
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This account is being reported as it current status is collection/chargeoff and is showing as delinquent on my credit reports. The payment history on this account is being reported incorrectly and NOT BEING REPORTED FAIRLY. I was laid off in XX/XX/XXXX. With no job or income, I stopped paying on my credit accounts. The last payment on this account was in XX/XX/XXXX. You can clearly see on the attached info from XXXX that the payment status switched to NR in XX/XX/XXXX. This account went into default and was transferred to XXXX. This does not constitute a payment and this account is being reported past the 7 year threshold for showing on a credit report and should be deleted. I have disputed this several times with the credit agencies and I have written to XXXX several times as well and this is still being reported incorrectly on my credit report and is stopping me from getting a mortgage. 

If this is not deleted then the account payment history needs to be updated and merged with my student loan account with XXXX. When I defaulted on my student loan in XXXX, I had XXXX account, I now have XXXX accounts on my credit reports and XXXX are showing as delinquent. This is not fair to me and does not accurately reflect my payment history with my student loans. I should have XXXX account ( with XXXX ) that shows that I have paid on this since XXXX and is current and paid as agreed status. The way these are currently being reported is that I have XXXX accounts that I stopped paying on in XXXX, which is not true and is painting an unfair picture. Please delete these accounts immediately from my credit reports.
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

DITECH FINANCIAL LLC., and XXXX are attempting to sale my home on the courthouse steps XX/XX/XXXX with an assignment that was robo signed XX/XX/XXXX by XXXX an atty that was attempting to foreclosure a few year ago. the assignment was created after the cut off date of the of the XXXX. According to section 201 of the pooling and service agreement had to be conveyed prior to this cutt of date of XX/XX/XXXX. The assignment is fraudulent ATTY XXXX was not the vice president of XXXX. HE WAS THE FORECLOSING LAWYER. XXXX signed a verified affidavit XX/XX/XXXX, and it was filed in SUPERIOR COURT OF XXXX GA XX/XX/XXXX. This affidavit was also recorded in the deed book. I have asked that my concerns be address, and this foreclosure be stopped for XX/XX/XXXX The cut off date of the trust in section 201 clearly states that this assignment should have been obtain before XXXX, also it contain fraudulent infomation, and fraud can not be the basics of obtain a deed. my main goal is to keep my house with an affordable payment to the write party
Consumer complaint received 2016-11-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Accounts & Advisers, Inc. (MN)

I have no recollection of what rhis debt is for. Im assuming it is a medical debt and if that is the case i have had coverage thru the state of Minnesota for over 10 years. It may be a debt that should be taken care of thru Medical assistance. But I am not sure.
Consumer complaint received 2016-07-04
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GRANITE STATE MANAGEMENT & RESOURCES (WA)

Right now I 'm paying what I can but its not nearly enough to cover the past due balance, let alone the monthly minimum. 

After having to declare bankruptcy in 2011, my credit had improved to XXXX. 

When GSMR reported me 120 days past due, it dropped overnight to XXXX. Among other things, that affects my ability to qualify for employment. But I think the damage is already done. 


With regards to my account. The principal balance is $ XXXX. Unpaid interest is another $ XXXX. 

Outstanding balance is {$130000.00} Interest rate is 7.375 %. 

Past due amount is {$6100.00}. 

This does n't even include the private loans. 



My wife has student loan debt of her own around {$90000.00} with an interest rate north of 6 %. Our combined incomes lead the loan servicers to believe we can afford XXXX minimum monthly payments. This is simply not true. As her credit is better, we pay her loan payments in full to preserve her credit.
Consumer complaint received 2016-07-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Meade & Associates, Inc. (OH)

Recently while conducting a monitor of my credit report I discovered thatMeade & Associates, XXXX furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, 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 to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is, to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, 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 agency.
Consumer complaint received 2016-08-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Alliance One, Inc. (WA)

I was charged XXXX for a fine I should nt owe because of the other collection agency did n't Honor there paper work. So iv been paying at least {$1000.00} over the amount I was so posed to pay.Then I was charged for atleast XXXX extra charges because of the failed paperwork that was due by them. I feel exhaust XXXX and Frustrated and I 'm tired of paying XXXX county, wa over and over for the same thing 's when I payed, XXXX.
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (GA)

Bought a set of XXXX tires promotion related to this sale was a XXXX debit Visa card issued by CITI bank. Card arrived by mail today XXXX/XXXX/2017 and expiration date on card was XXXX. Tried to activate card. Was not able to. Called their customer service which was horrible and no help with first person so I asked to speak to supervisor. Supervisor was XXXX employee no. XXXX. I asked her if they could reissue a new card due to the late arrival of my card. She said she could not and was also of no help so basically I am now out XXXX dollars due to a postal service XXXX up and total lack of customer service from CITI.
Consumer complaint received 2017-01-24
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Advance America, Cash Advance Centers, Inc. (TX)

On XX/XX/2017 I spoke with a representative named XXXX in regards to my account with Advance America. I asked her if I could pay my XX/XX/XXXX payment early and she stated yes, I asked her if I would still have to make another payment on the XX/XX/XXXX and she said no. I proceeded to make the payment on XX/XX/XXXX in the amount of XXXX. I called in today on XX/XX/XXXX to see why my account had n't updated with my payment and the lady I spoke with said that I would still have to pay on XXXX XXXX because the payment I made on Monday did n't cover the amount due on the XX/XX/XXXX which was odd since I paid the amount due in the amount of XXXX.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted.
Consumer complaint received 2016-11-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MN)

Their representative keep contacting me at work and when I requested for a proof of debt they insisted they will send it but have n't. 

Additionally, when I told them I paid it off with XXXX they insisted I should go online and pay. They never provided me with a log in to their website or how I should access their website. This is n't a trust worthy collector and seems shady. 

XXXX keep saying they 've sent to a third party.