davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (AZ)

XXXX co-branded airline credit cards ( XXXX XXXX XXXX XXXX XXXX, Citi XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Visa ) offer free baggage checking to the primary card holder and accompanying passengers. But this benefit does not apply to non-primary cardholders flying alone, though they do possess their own co-branded card with their own name and a linked account number. On at least 2 occasions, my spouse, when traveling alone, was denied free baggage checking, even though she had the appropriate co-branded airline card. this is blatant discrimination against the 'little woman traveling without hubby '. These credit cards issued to by the non-primary cardholder are valid for any purchase around the world but can not be used for the benefit of free baggage checking when the non-primary card holder travels alone on the appropriate airlines. The fees for baggage checking seem to start at {$25.00} or more for each trip and would be even more with minor children traveling often with a woman not accompanied by her husband. I think all such fees should be disallowed and refunded to all spousal passengers who have had to pay for what would have been free if 'hubby ' had also been traveling. I blame both the financial institutions issuing the credit cards and the airlines for coming up with these restrictions. The fact that these restrictions are vaguely mentioned ( " all passengers traveling with you '' ) in the information sent with the credit cards does not make it fair or reasonable. Thank you for your attention to this matter. And I hope the CFPB manages to survive intact despite the desires of those who are so offended by a government agency protecting citizens who are victimized in financial matters.
Consumer complaint received 2016-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

My credit report on EquiFax has a doctor bill, ( XXXX XXXX XXXX XXXX ) for {$110.00} listed as not paid. This is wrong Medicare 's Qualified Medicare Benefits paid all my medical bills on time. 
Can you please check on this and get it corrected. 
Thank you,
Consumer complaint received 2016-11-20
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DISCOVER BANK (NY)

Dear CFPB, I requested information from a law firm representing the bank/creditor to verify a credit card debt they are alleging I owe - and they did not supply all the information and much of what they supplied was false and inaccurate. 

Please initiate an investigation and advise me as to the next steps to be taken. 

Thank you
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

Equifax and XXXX have denied my request to block the fraudulent information reporting on my credit file resulting from identity theft. Pursuant to section 605B of the FCRA, any information resulting from such identity theft must be blocked. I included my affidavit and police report as well as my identification. These items do NOT belong to me and I did NOT open these accounts or ever apply for an account : XXXX XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA XXXX XXXX XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA XXXX XXXX this account is fraudulent and must be blocked pursuant to section XXXX of the FCRA XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA These inquiries are resulting from fraud : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (GA)

I have been a customer of Ford Motor Credit since 2013 and during that time, I have enjoyed my experience with Ford Motor Credit greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have a few late payments on the above referenced accounts that date back to 2013. All of the late payments are 30 day lates. Since that time I have been an exceptional customer paying early every month and have been rewarded by Ford Motor Credit with ever increasing limits and lower APRs. 

Because of my exceptional payment history over the last 6 years, I would like you to consider removing the negative payments from my credit report. At the time of those late payments, I was a full time college student without a job. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that Ford Motor Credit is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with Ford Motor Credit. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. Ford Motor Credit has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Ford Motor Credit is heads above the rest. I look forward to your reply.
Consumer complaint received 2016-10-19
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Cooling & Winter LLC (FL)

on XX/XX/2016, I received a call from a person by the name of Laniece Limpers from the law firm of Cooling and Winters, which is a principal partner of XXXX XXXX XXXX. According to XXXX XXXX, she represents XXXX XXXX XXXX and she was calling to negotiate on their behalf. Based on information provided to me by XXXX XXXX XXXX XXXX month prior to receiving the call from XXXX XXXX, I had a total debt of {$670.00}. As such, on XX/XX/2016, XXXX XXXX, who I assumed was representing XXXX XXXX, negotiated with me and agreed to accept {$300.00} as total payment, and according to her, the debt was settled. According to XXXX XXXX, the conversation was recorded and that she was going send me a confirmation letter in the mail within 24 hours. As of today, XX/XX/2016, I have not receive this letter. In addition, XXXX XXXX, has not return numerous phone messages that I left for her in her voice mail. I have sent a validated bank receipt of the transaction on XX/XX/XXXX which shows that Coolling and Winters Associate had withdrawn {$300.00} dollars out of my checking account to the XXXX major credit bureaus for them to investigate this matter, but to no avail.
Consumer complaint received 2016-05-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC. (NV)

Opened a payday loan with Cash Call in XXXX paid on the loan until I lost my job in XXXX. Informed Cash Call that I had lost my job and was un-employed and displaced. Per original attorney ( who is now deceased ) account was closed. A new attorney has purchased the debt and has re-opened accounts and is garnishing my wages. I have not been served with any paper work from XXXX to XXXX. I need to know how to proceed. Thank you
Consumer complaint received 2021-07-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I sent a letter previously XXXX XX/XX/2021 XXXX, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-12-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (PA)

XXXX have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XX/XX/XXXX and XX/XX/XXXX, they were reporting my collection as if it was a revolving account and adding XXXX late notes. Every time I have disputed this information, the CRA removes my information for about a week, then re-adds it later with new dates, making it appear that I have had multiple delinquencies this year. This false information has caused irreparable damage to my credit score and I am asking that the CRA removes this tradeline from my report due to repeated use of false information.
Consumer complaint received 2024-09-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TOWNEBANK (NY)

I am writing to formally dispute the illegal repossession of my vehicle and the unauthorized disclosure of my personal information by Townebank. These actions are in clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692f, which prohibits unfair or unconscionable practices in the collection of debts. On XXXX, my vehicle was repossessed by XXXX XXXX acting on behalf of Townebank. However, at the time of repossession, the proper procedures required for repossession had not been followed. I did not receive any communication on repossession of my vehicle. The last communication I received as I was trying to make a payment was on XXXX XXXX via email with a rep by the name of XXXX XXXX XXXX. I asked numerous times for a link to make a payment, and the rep continued to ask about when the next payment was going to made and refused to send a link. I have the email transcript if needed for verification purposes. The only thing she stated was that I needed to make a payment of XXXX by XXXX or to surrender the vehicle. Again, I asked numerous times for a link to make a payment in which I never received. After not receiving the link, I reached out to a lawyer to get guidance as I felt they were giving me the run around to make a payment and still repo my car. That same day I retained a bankruptcy lawyer due to my financial situation due to becoming XXXX  and the car being in 2 accidents in the month of XXXX of this year. I have not received any letter or correspondence from Townebank after that regarding the repossession of my car. Once the car was repossessed, I reached out to get a amount to pay to retrieve my vehicle back and was advised that in order for me to get the car back I would have to pay the remaining balance that was owed as well as where to retrieve my belongings out of the vehicle. The car would have paid off in less than a year. Prior to me XXXX XXXX  which caused my financial hardship I paid my car payment monthly. Under 15 U.S. Code 1692f ( 6 ), it is illegal to repossess property when there is no present right to possession, and I believe that this standard was violated in my case. Additionally, it has come to my attention that my personal information was disclosed to a third party without my knowledge or consent during this process. The disclosure of my information to unauthorized parties constitutes a serious violation of privacy laws, and I did not provide any permission for such disclosure. I demand an immediate investigation into this matter
Consumer complaint received 2019-05-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (GA)

My name is XXXX XXXX XXXX and I'm a retired XXXX XXXX with the XXXX XXXX XXXX XXXX. I'm elderly and XXXX, currently my daughter is XXXX XXXX and has been or may be using and opening accounts my account to funnel large amount of life insurance in my account. I am asking that any account in my name and social security number XXXX be closed immediately and all final balances be send to the address above. Thanks!! XXXX XXXX
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (FL)

Letter was sent certified mail on XX/XX/XXXX, please see attached tracking into. Company has failed to respond to complain submitted. Please see attached letter sent. 
Company did not verify information as requested. 

I contacted the Court of Record you list on my credit file, and PACER. The information listed on my file with PACER, and your file are inaccurate. The Lexis report dated XX/XX/XXXX and the PACER report obtained by me XX/XX/XXXX report DO NOT MATCH and are inaccurate : Address
Consumer complaint received 2016-08-09
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Richland Bureau of Credits Medical Service Bureau Inc. (OH)

My name is XXXX XXXX, just after my XXXX birthday on XXXX XXXX, 2012, I went to XXXX XXXX XXXX center for an XXXX. I was brought directly into the XXXX and my mother and father filled out the paper work, putting their information in the phone number and address section, by mistake. After receiving treatment I paid the hospital in full and got a receipt of payment. 

After paying the hospital, I thought that everything was handled and taken care of. I am now XXXX, and looked up my credit score, before applying for a credit score. I then found that I have an account in collections through a company of RBC collections, in XXXX, OH for {$400.00}. So I called RBC and they said that XXXX XXXX XXXX XXXX XXXX, billed my for services provided by the doctor, even though I paid the hospital. At this point I ask if there is anything they can do to lessen the amount, because I do n't feel I owe them that money. RBC replied that they contacted my father and mailed papers to my father, and he replied back by telling them not to contact him with my debts. So RBC sent the debt into collections without ever contacting me, I was never aware this existed until I saw the debt on my credit score. 

I then told RBC that this is the first time that they have had contacted me and that I need a validation of debt within 5 days in accordance with the Fair Debt Collection Practices Act, or their is no way I 'm paying the bill and I will ask for the account to be closed. The woman from RBC then replied that there is no way they can work with me on the price because the account has been in collections for so long, and because my father never replied to the letters they mailed years ago, the debt is already validated, and there is no way I would be able to close the account, without paying it in full. Well the FDCPA reads, within 5 days of first contact from the collections agency to the consumer, a validation of debt must be mailed out. 

It has yet to be 5 days, but when the lady from RBC said that she contacted my parents, and they did n't reply it validated the debt, it presents a major issue, as that is not in accordance with how the law is written. She also told me that since that 's the information I provided her client it is valid, but my parents provided mercy medical with that information not me, and it was given to the hospital not the doctor or the company the doctor went through to start the account. I do n't feel as if proper legal steps were made in this case, and that the account should be closed.
Consumer complaint received 2016-12-12
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (IA)

I AM NOT ABLE TO ACCESS MY CREDIT REPORT WITH MY EQUIFAX COMPLETE ADVANTAGE MEMBERSHIP THAT I PAY {$17.00} MONTHLY FOR AS THEY HAVE LOCKED MY CREDIT FILE TWICE NOW ONCE ON XX/XX/2016 AND AGAIN ON XX/XX/2016 AND IT IS STILL LOCKED.
Consumer complaint received 2016-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

I lived in a complex XXXX on XXXX XXXX my lease was from XXXX XXXX, XXXX to XXXX XXXX. The end of XXXX XXXX a new company named XXXX bought the property ( tenants were not informed ) I had paid in full lease agreement with XXXX ( did not receive my {$600.00} deposit back from XXXX ). 
XXXX reports on my credit report a debt which I do not owe ( never did business with XXXX ) I want this removed ASAP, thank you XXXX
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX, in reviewing my credit report I notice XXXX XXXX XXXX accounts with different account numbers. I contacted Transunion to dispute the account explaining there should only be XXXX. They told it would be 30 days to verify with XXXX XXXX then will remove it if it should n't be there. XX/XX/XXXX, I reviewed my credit report again but the item was still there. Therefore, I called XXXX XXXX customer service where they confirmed the information then sent information for Transunion to correctand they told Transunion and other credit bureaus. Here it is XXXX, XXXX duplicate account still reflects on my credit report. It appears that the credit report still reflect XXXX XXXX XXXX credit cards. It has now been 9 months trying to get XXXX of the XXXX XXXX Credit Card removed. Although it have an excellent pay history, it is affecting my debt to income ratio which lowering my credit score. They will not update the credit report.
Consumer complaint received 2021-02-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (CA)

Chase bank banned me for life in 2012 and ever since I can not open an account there. I tried to find out why many times they refused to say. It's 9 years later and I am sure they just made a mistake and I don't think it's fair to anyone to shut down their accounts like that without any explanation.
Consumer complaint received 2016-05-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been working with Bank of America regarding whom submitted Duedilligence letter to county recorders as provided by XXXX XXXX XXXX. 

In XX/XX/XXXX Due-diligence letter is not accurate/untrue RECORDED XXXX page XXXX CALIFORNIA XXXX XXXX XXXX XXXX XXXX XXXX as page XXXX of Notice of Default and Election to Sale check date, phone number and address - its at the same time as approved modification I was not contacted at no time by the person whom signed recorded document I had XXXX accounts with Bank oF America I was in constant contact with Bank of America throughout XX/XX/XXXX-XX/XX/XXXX XXXX modification was complete and my second home was not due-dilligence letter does not work with time line i was working on first modification when due-diligence letter was recorded Bank of America contacted me and explained new program allows a modification to second home my understanding modification documents were never uploaded to second account in error I am the same customer the completed modified loan spelled my name with no space and the other loan had a space XXXX vs XXXX I provided to Bank of America funds that was stolen by a third party for mortgage - Bank of America to date has not responded. 
XXXX XXXX to date has not confirmed was the foreclosure n XXXX XXXX or XXXX XXXX - XXXX TDUS is recorded and neither can be verified Which raised more questions regarding notaries from XXXX XXXX during XXXX alleged proper foreclosure SUBSTITUTION OF TRUSTEE - NOTARY XXXX XXXX - NO RECORD FOUND recorded document XXXX bonding company Merchants Bonding CORPORATION ASSIGNMENT OF DEEDS OF TRUST - NOTARY XXXX XXXX - NO RECORD FOUND recorded document XXXX bonding company Merchants Bonding TRUSTEES DEED UPON SALE - NOTARY XXXX XXXX - NO RECORD FOUND document XX/XX/XXXX XXXX bonding company Merchants Bonding TRUSTEES DEED UPON SALE - NOTARY XXXX XXXX XXXX - NO RECORD FOUND document XX/XX/XXXX XXXX bonding company XXXX XXXX XXXX QUIT CLAIM DEED TO INVESTOR WHOM RESOLD MY HOME WITHIN 30 DAYS AFTER PURCHASE AND EARNED INCOME - NOTARY XXXX XXXX - NO RECORD FOUND document XXXX XXXX bond company XXXX CERTIFIED NO RECORD FOUND PROVIDED BY COUNTY RECORDERS XX/XX/XXXX-XX/XX/XXXX it appears to be FRAUD and VOID on its face. 
The majority of notaries worked for XXXX XXXX - BAC division of Bank of America The notaries are unable to be located directly - ALL NOTARIES ARE NO LONGER REGISTERED AS NOTARIES - ARE THEY REAL PERSONS? 

One notary according to bond company was located XXXX XXXX - however XXXX XXXX never responded to me directly.
Consumer complaint received 2016-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Core Advisory Group, LLC (AZ)

This company is a scam, I knew I should have never trusted them but they talk a good talk and took my money and did nothing. I paid them over {$3200.00} because they had promised me they will be able to save my house. I told them that I was already denied a loan modification but they insist their program is different and they get complaints open with government officials to force my lender to agree to reinstate my loan and restructure the loan to a more affordable term, which was a lie. After that fail even tried to tell me to file for bankruptcy and referred me to some lady name XXXX who advised me to file chapter 13 but could n't because I had filed too many times already so I do not understand why they would take my money and offer to file bankruptcy for me, that is not what they advertise. I almost lost my house because of them. I tried asking them for my money back in XX/XX/2016 and they took more than 4 months just to offer me a refund of {$320.00}??? All they did was file a complaint which I could have done myself, this a complete scam. I do not believe it is worth {$3000.00} to file a complaint to help me secure a loan modification. They are nothing but scam artists and they need to be stopped. According to the FTC MARS rules, it is illegal for them to collect my fees upfront but they claim they do not have to follow that law. I just want my money back since they did nothing they had promised. I refused to accept their offer to just return only {$320.00} out of the {$3200.00} I had paid them not to mention additional out of pocket expense of {$120.00} to use their notary service. So total I paid for help through them is {$3300.00}.