davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

i have over 17 hard inquires on my credit report, which i did n't give authorization. I have tried to dispute them with all 3 credit bureau, i have also call have each company to get each of the inquiry removed, they told me i had to dispute them with the credit bureau which they will not remove them. They are impacting my credit score.
Consumer complaint received 2017-08-03
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: CITIBANK, N.A. (IL)

XXXXXXXX XXXX client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for credit cards and communication accounts ; these applications resulted in fraudulent inquiries that are now listed on his credit reports. After efforts were made to notify official each of the account providers of the fraudulent applications the account providers still list the fraudulent information on the credit reports despite the issue being related to identity theft. One of the bank already provided a clearance letter confirming the issue was fraudulent and confirming they would remove the data however the information is still being reported to the XXXX credit report ; this is a violation of FCRA.
Consumer complaint received 2017-10-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: M&T BANK CORPORATION (PA)

I filed a complaint on account # XXXX XXXX XXXX XXXX XXXX with M & T bank with you the beginning of XXXX, XXXX. M & T replied concerning my wife 's HELOC account with M & T. This is part of the problem. This bank is unable to keep records straight. They do not know what they are doing. I have been paying {$300.00} a month for around XXXX years. I dealt with XXXX XXXX. My payments went to him at XXXX XXXX XXXX, XXXX, NY XXXX EVERY month for years. I received a letter from XXXX XXXX Attorneys concerning this account stating M & T has not received any payments since XXXXXXXX XXXX on my account. I never received any statements from M & T regarding this or that an attorney was involved. I found out XXXX XXXX is no longer with M & T. I was not notified about any of this until I was contacted by these attorneys. I received a letter from M & T on XXXX XXXX, XXXX stating my payoff was {$38000.00}. The letter dated XXXX XXXX, XXXX from the attorney States a payoff of {$40000.00}? How can that be? This is how M & T works. Something needs done. Now their response does n't even address my account!!! Since this is so dishonest please make sure M & T addresses the CORRECT account!!!!
Consumer complaint received 2017-10-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Scheer, Green & Burke L.P.A. (TX)

On XXXX XXXX, XXXX. I was taken to XXXX XXXX XXXX hopsital i was in pain but did not know what happen next thing i was told I had a XXXX XXXX that need it emergency XXXX but they needed to put me on XXXX for 2 day and XXXX for pain the medication i was given was very strong. i was completely out i can not remember nothing after the day i got there.they perform XXXX i was in the hospital for 10 days. 

You see my insurance at the time will pay ofter the 6 day 100 % for semi private rooms. while at the hospital and under XXXX XXXX I did not know nor was i ask to be put on a private room i have try to fight this with the hospital and XXXX did not help me at all. so i was told I had to pay the bill i told them since I am XXXX and with Social Security all i can pay was 10 to 20 dollars a month they agreed. so i have being paying on it. 

They i started getting call by XXXX XXXX XXXX from a collector telling me that the hospital refuse my payments even do they got the money and i had to pay the whole bill now i got a letter from an attorney asking to pay the full amount or they are going to press charges against me. the Law firm i got the letter from is Sheer, Green, & Burke, CO. L.P.A.they are base out of XXXX Ohio . I live in Texas. Their customer is XXXX XXXX XXXX XXXX XXXX TX can they take me to court or arrest me for this? and I was also told they are going to damage my credit. 

I do not what to do. 

XXXX XXXX XXXX XXXX XXXX 
XXXX TX XXXX
Consumer complaint received 2015-08-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WA)

I have been yrying to aell a house and pay XXXX to Wells Fargo to pay off the HELoC. The titltle company and i have been calling them daily for a week. We have received XXXX differemt fax numbers to send the authorization and release to. As of today, they can not verify they have have received the authorization. And wont talk with my loan closer on the phone unless I am on the phone. They also refuse to send a payoff quote so that we can finalize. They also refuse to let me take an aithorization to another branch office. As a result, te biyer may cancel the contract and we could suffer financial penalties.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.
Consumer complaint received 2017-10-23
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: AMERICAN EXPRESS COMPANY (IL)

unlawfully Interruption of Charge Privileges I HAVE AN AMERICAN EXPRESS CARDS THE DUE DATE IS THE XXXX OF EVERY MONTH XXXX IS CHARGE CARD THE I HAVE TO PAY IN FULL EVERY DUE DATE THE OTHER XXXX IS A CREDIT CARD THIS IS THE SECONT TIME THEY PUT A HOLD ON MY CREDIT CARDS WHEN IS NOT EVEN CLOUSE TO MY DUE DATE AND THEY ASK ME TO MAKE PAYMENTS EARLIER THEY REQUESTED ME TO MAKE PAYMENTS BEFORE THE DUE DAY OF MY PAYMENT AGRETMENT ACCORDING TO THE AGREEMENT OF THE CONTRACT THAT I DID WITH THEM AND THEY DO THIS ONLY TO THE XXXX AND OTHER XXXX THIS COMPANY AMERICAN ESPRESS HAVE A HISTORY OF PROFILING IN THEIR COSTUMERS SPECIALLY ON XXXX AND XXXX PLEASE OPEN AND INVESTIGATION AND MAKE SURE THEY DONT BREAK THEY CONTRACTS AGRETMENTS AND PROFILING ON THEIR COSTUMERS, HERE IS THEIR LATTERS AND I THINK IM A VICTIM OF PROFILING. unlawfully Interruption of Charge Privileges
Consumer complaint received 2017-10-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (OH)

My checks are being garnished by an attorney whom I 've not signed an agreement to pay, nor was I contacted regarding a court date to defend the debt. I have also requested written confirmation that I owe Atty XXXX XXXX XXXX. That information has not been afforded to me, neither has notification of original dates for court. Now 7-8 years later I am contacted. Ohio law states that 6 years is the limit to take legal action. Please help me if you are able.
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Last year I attempted to set up automatic payments during a phone call with Capital One. Several months later it came to my attention that this did not happen and because of this Capital One has placed several extremely derogatory marks on my credit reports with all 3 bureaus. I have tried to rectify this with Capital One and even with taking some fault myself for not following up during a dark period in my life to make sure the expected minimums were being deducted Capital One has continually refused to make any type of compromise and offer the slightest goodwill adjustment in my favor. I have even provided my phone bill to the executive office team where a 9 minute call was highlighted that was when I recall activating a card and then transferring to customer service to set up these automatic payments. After several weeks of waiting not only does Capital One refuse to make any adjustments they also refuses to provide any transcript of the call to show that these 9 minutes were spent differently than I recall. Any assistance in reaching a compromise in this matter would be highly appreciated.
Consumer complaint received 2017-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

COMMONWEALTH FINANCE   XXXX   XXXX   XXXX     XXXX , PA  XXXX  (   XXXX   )  XXXX  Common Wealth Finance is trying to collect a medical bill that does not belong to me. Amount of debt is  XXXX . This is no the same complaint for  XXXX
Consumer complaint received 2017-08-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth Third Bank in XXXX, FL were contacted to re-finance my home in XXXX XXXX 2017. After 5 months of attempting and re-attempting to submit all my financial documents they, without my knowledge, changed my loan from a refinance with cash-out to a refinance. After 5 months they told me to change it back we would have to re-submit all our documents again. The following people were involved in the deceit : XXXX XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX XXXX : XXXX. They all contributed to in way or another extending the process by asking for documents 2-3-4 times. They also after an inspector of the Banks choosing measured our house at less than 400sq ft than the previous 4 measurements done in the past 10 years. They colluded to try to get CD and other types of loans against the house and forced us to open an account in their bank to proceed with the loan origination. My credit has been decreased because over the course of the 5 months the checked my credit score over 8 times. We are current mortgage holders of this bank, so we were perplexed at how the process moved since it was so smooth 8 years ago.
Consumer complaint received 2017-10-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

XXXX XXXX I inquired about getting my father released as co-signer. After a struggle with several phone calls and bouncing around, they said I need to pay more ( more than I could even afford ). After XXXX months with on time payments they could release my co-signer. The explanation that I understood was to make sure I could afford repayment. My co-signer has never paid a single dollar in our XXXX year relationship. On the automatic withdraw the have steadily increased the payment without authorization from me but Ive had no choice but to pay. Over a year of higher monthly payments they give me a run around about releasing my father. My father needs to buy a new house due to job relocation and student loan debt does not look good. I feel like they misled me, forced me to pay more through guilt, and lied about the plan they set forward. Not the first time that they have pulled stunts like this including what I felt were illegitimate deferment charges, late charges, and threats. Now my credit, XXXX health, and family is under destruction. Please help
Consumer complaint received 2017-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (NJ)

On XX/XX/XXXX, I sent certified documentation to Midwest Recovery Systems proving that I did not owe three collection amounts that they sent and repeatedly update to the credit reporting agencies. These medical bills were covered under charity care and I sent MRS letters from the hospital. I also sent this to the junk  debt company before MRS -- XXXX -- and they deleted the information immediately. Although my letters were received by MRS , they choose to blatantly ignore me and FCRA laws and continue to harm my credit profile with impunity. They 've also re-aged ( dates are from XX/XX/XXXX, not XX/XX/XXXX ) and re-inserted illegally. The amounts in question are : {$37.00}, {$65.00}, and {$1000.00} ( originally only two accounts that they broke up into three to their benefit ) from XXXX XXXX XXXX which is associated with XXXX XXXX XXXX XXXX as indicated on the letters. Before I 'm forced to go to small claims court, I 'd like CFPB to step in. Thank you.
Consumer complaint received 2017-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (NY)

I have been a credit card customer with wells fargo since XXXX of XXXX. Over that period of time I have accumulated XXXX wells fargo rewards, ( which is worth {$700.00} ) from spending on the card. I have never missed any payments on the account, and the account was in good standing. On XXXX XXXX. I got a letter from wells fargo stating that they closed my account due to 6 months of inactivity. I called wells fargo, and the representative confirmed that, that is the reason for the account closure, my XXXX rewards are forfeited, as the account is closed, and I can not get them back. I then spoke to a supervisor, trying to understand how a bank can close my card for only 6 months of inactivity. At least be notified by the bank that they will close the account, if I do n't continue to use it, and was not given any help on the matter. On XX/XX/XXXXI filed a complaint with XXXX from the executive office to either have my account reopened, or at least be payed for the worth of my points, which is {$700.00}. About a week later, she called me back stating that they can not reopen the card, and will not pay me for the value of the points.
Consumer complaint received 2017-10-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TX)

We got our washer and dryer through XXXX XXXX in XXXX, TX., and originally it was financed through GE Capital . Synchrony bank took the account over, and then sent it over to a debt collector. We did NOT receive notice of right to dispute, not have we ever received enough information to verify the ALLEGED debt. Honestly, we have not received a statement from them in over 5 years, 3 months now. I just got off the phone with them, and I asked them when the last time I made a payment was. The guy I talked to on the phone stated it was on XXXX XXXX, XXXX. 

THAT WAS AN OUT RIGHT LIE BECAUSE IT 'S NOWHERE ON MY BANK STATEMENT! 

THE LAST PAYMENTS I SEE FOR XXXX XXXX, WAS BACK IN XXXX, AND THAT 'S THE ONLY YEAR I SEE PAYMENTS FOR XXXX XXXX EVEN LISTED. The guy I talked to said that the amount was {$200.00}. SO, I SEARCHED FOR THAT AMOUNT ON MY BANK STATEMENS ON THE DATE HE GAVE ME, A {$200.00} PAYMENT WAS NOT LISTED ON THAT DATE, ANYWHERE IN THE MONTH OF XXXX. THERE WAS HOWEVER, A DEPOSIT {$200.00} MADE ON XXXX/XXXX/XXXX. 

THEY HAVE NOT BOTHERED TO GET IN TOUCH WITH ME IN OVER 5 YERAS NOW, NO CALLS, NO STATEMENTS, NO CONTACT WHAT SO EVER. TEXAS HAS A 4-YEAR STATUTE OF LIMITATIONS FOR DEBT COLLECTIONS, THEREFOR THE ALLEGED AMOUNT IS HEREBY TIME BARRED, WHICH MEANS THEY 'RE TRYING TO COLLECT ON A ZOMBIE DEBT, WHICH BY THE WAY IS ILLEGAL! FURTHERMORE, THEY HAVE EVEN ILLEGALLY RE-AGED THE DEBT TO THE CREDIT BUREAUS AS IF WERE NEW! 

AND, WHEN I CALLED THEM TODAY, I AKED THEM TO SEND ME STATEMENT COPIES OF EVERY PAYMENT THAT WAS EVER MADE, FROM THE TIME THAT I OPENED THE ACCOUNT IN XXXX, UP UNTIL NOW, AND THEY REFUSED TO DO SO! THEY TOLD ME THAT THEY COULD N'T DO THAT. WHY? 

BECAUSE IT 'S A ZOMBIE DEBT, AND THEY KNOW THAT THEY CA N'T LEGALLY COLLECT IT? 

WHY CAN THEY NOT SEND ME STATEMENT COPIES? 

ARE THEY AFRAID THAT I MIGHT FINE OUT WHAT 'S REALLY GOING ON? 

LIKE HOW THEY ARE RE-AGING THE ALLEGED DEBT SO THAT IT CAN GO ON MY CREDIT REPORT? 

OR THAT THEY LIED ABOUT WHEN THE LAST PAYMENT WAS MADE? 

OR IS IT BECAUSE IT 'S A ZOMBIE DEBT, AND THEY KNOW THEY CA N'T LEGALLY COLLECT THE ALLEGED AMOUNT THEY CLAIM I OWE? 

HMMM, SOUNDS A LITTLE FISHY TO ME!
Consumer complaint received 2023-05-04
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: Experian Information Solutions Inc. (WI)

It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. XXXX, XXXX and Experian are reporting 10 inaccurate late payments for the XXXX with the account number of XXXX. This includes late payment ( s ) 30 days from XXXX XXXX, 30 days from XXXX XXXX, 30 Days XXXX XXXX, 60 Days XXXX XXXX, 60 Days XXXX XXXX, 90 Day XX/XX/XXXX. It also includes 30 Days XXXX, XXXX, XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in ( Credit Bureau ) violating my Federally protected rights. To add to this, I did not give ( Credit Bureau ) written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that ( Credit Bureau ) has violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Consumer complaint received 2017-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CT)

I did an online money transfer with Western Union on Wednesday X/X/17 at XXXX XXXX. The amount was XXXX for the fee of XXXX. Total for transaction was XXXX. The transaction processed smoothly and a tracking number XXXX was issued. On Thursday morning the receiver went to a western union counter in Florida and she was told no such transaction existed in their system. I called Western Union and someone in XXXX told me they are authorized agents for Western Union and my bank was holding the money and I should ask the bank to release the funds. XXXX XXXX was very clear that the funds were sent from my account to Western Union. I called back Western Union and the man told me it is normal for all money transfers to be kept for several days. I was told there is nothing I can do or anyone else I can complain to. The funds would be available on X/X/2017. At no time during the online process did any indication of the money getting delayed appear as any type of notice. I asked to cancel the transaction so I can use another money transfer service and I was told I would get a refund of XXXX a minimum of seven days after XX/XX/XXXX. This entire experience smells like "bait and switch".
Consumer complaint received 2017-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (PA)

On the morning of XX/XX/XXXX I contacted XXXX/XXXX ( my and their phone records would support this ) to determine if requesting a credit limit increase would be a soft or hard inquiry in their process. I was advised that it was a soft inquiry which would not impact my credit score. I then went through with the process ( online ) with my Best Buy and Home Depot credit card accounts since they are both managed by Citibank.
I was granted the increase, but it was indeed a hard inquiry which resulted in a negative effect on my credit score. The purpose of requesting the increase was to reduce my credit utilization, whereby improving my credit score. In actuality, due to the inquiries it resulted in a 4 point reduction. I contacted the credit agencies and told them what had transpired. They advised me to contact Citibank and have them complete & submit an Inquiry Deletion Form to them. Citibank declined my request stating that they could not do so since they did increase my credit limit. Although, at one point a customer service representative advised me that the XXXX/XXXX XXXX inquiry would be deleted. I received follow-up communication that it would not. I am writing here to receive assistance in resolving this matter.
Consumer complaint received 2017-08-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Received a call on my job phone and cell phone from XXXX XXXX ( on XX/XX/XXXX ) with XXXX XXXX who said she was representing Ace Cash ExpresXXXX from a debt from XX/XX/XXXX. She stated that I committed fraud, but this debt was paid to the collection company that Ace sold the debt to back in XX/XX/XXXX. I also received a letter last year ( XX/XX/XXXX ) stating that there was a settlement against Ace Cash Express from the CFPB and I won a portion of the amount that I had paid.Texas ' four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means thatdebt collectors can not sue individuals in an attempt to collect debts that are more than four years  past due.