davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (TX)

I had went to XXXX XXXX XXXX in XXXX XXXX, New Mexico on XX/XX/2014 for medical needs. I was then married and had XXXX XXXX ( Military Insurance ). I provided the hospital with my ID card which also serves as my Insurance Card. I later received a bill and again provided them with my insurance information, as military insurance covers you 100 % as I lived outside of the military medical facility area. Since then I have received many debt collectors trying to collect on the bill and also provided them with my insurance information and disputed the account on my credit report and they state the information is true and correct and will not remove the account and did not bill my insurance company for the services and which have been covered 100 % by XXXX. I am no longer married and no longer hold my ID card or the insurance anymore. It is not my fault that they failed to bill the insurance company at the time of services and each time after of me providing them my insurance information. I had even contacted XXXX and submitted the bill after over a year of getting no where with the hospital or collection agencies and they state they had never received any bill from them. I can no longer access XXXX and want this removed from my credit report due to them failing to bill my insurance at the time and times there after.
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

Discover closed my accounts directly based on other bank closing my account. They will not send me information why they closed my account beside business decision. But this decision was made on wrong facts and are discriminating against me after having perfect payment history for over 5 years with their financial institution. I was told over phone by other bank I was involved with some type of money laundering which couldn't be any further from the truth. I would never do such a thing and I have over 5 years of perfect payment history of all my accounts and good credit scores. So please reissue my accounts because this closure was based on wrong information gathered from other source. Please provide any wrongdoing on my part if thats what you based your decision on if not please reopen my 2 accounts asap. 

Accounts ending in XXXX, XXXX
Consumer complaint received 2018-04-03
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: EQUIFAX, INC. (MD)

In the months of XX/XX/XXXX-XX/XX/XXXX, I was going thru some financial hardship and could not afford my car anymore, witch was a ( XXXX XXXX XXXX XXXX XXXX ) I then reached out to my auto loan company witch was autouse/autoloan/lease and rental management. ( weird ) to VOLUNTARY SURRENDER VEHICLE the vehicle was then picked up some time in XX/XX/XXXX and at the end of XX/XX/XXXX the account closed and listed the vehicle on my credit report as an INVOULUNTARY REPOSSESION, and is being reported to XXXX, equifax, and XXXX as such, and is totally inaccurate, the other problem is in XXXX XXXX I noticed two 30day lates added to my credit report after the closing of account in  XXXX XXXX.My most major issue is I have not received all the required notices such as NOTICE OF SALE, as of XX/XX/XXXX my credit report still has a balance of XXXX dollars.XXXX is reporting no payment history on this account at all, Equifax, XXXX all are reporting inaccurate account iformation on this closed account, And are also in violation of the FCRA section 611 as well as my prior auto loan company, autouse/autoloan/lease and rental management corp.Ive also disputed with all three CRA 's with no success in witch I will continue until I will have no choice to take other action with all parties.my ability to obtain credit has been hard because of this.
Consumer complaint received 2018-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

I have a My Best Buy Visa Credit Card through Citi who partnered with Best Buy for this promotional credit card offer. I had recently set up an automated payment for the minimum payment due, which on XX/XX/XXXX and and XX/XX/XXXX I was quoted as owing a minimum of {$110.00}. One feature to this credit card is the deferred interest that was unknowingly applied to my automated minimum payment amount due, so I was charged {$630.00}. I was not made aware of this amount due other than a statement notification quoting this amount, received onXX/XX/XXXX, however had received 2 notifications later that month, shortly before my bill due date, quoting the {$110.00}. This issue has caused me a lot of strain, overdrafting my account, delaying other separate payment obligations, and time out of my entire day to resolve this issue to no avail. I spoke to their associates of this discrepancy and they are unwilling to provide a refund of the excess amount. I feel like there is nothing else I can do. I feel bullied around by a financial company that seemingly can do whatever they want, up and change my payment, and don't even have to duly notify me. I please ask if you can in any way offer assistance and insight in this matter, as there is no agreement I can come to with my financial institution in this matter. I thank you so much for your time and understanding.
Consumer complaint received 2018-04-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX- Our company was notified of two different account closings as of XX/XX/XXXX and XX/XX/XXXX ( Debits to account amounted to {$14000.00} and {$16000.00} ) when our employee went into the branch to cash check. He was informed the bank had closed the accounts upon learning of account activity, and we would need to call the XXXX XXXX XXXX at XXXX to inquire. 

Our corporate office called the above number ( a bank call center ) 6 times in a 2-week span to inquire as to the location of funds and was told each time that they could not give us any additional information regarding the missing funds and that, in fact, there is no XXXX XXXX XXXX. We were then instructed to send a letter to the Customer Service location at XXXX XXXX XXXX XXXX XXXX XXXX, TX, which we have now done twice, on XX/XX/XXXX and again on XX/XX/XXXX 
As of XX/XX/XXXX, have not received these funds, or received any additional information from the bank regarding the status and location of our money.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXX 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  XXXX. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2024 I reported an incorrect information was on my credit report, I asked for verification as well. I also stated that the name that was on their end was not associated with me nor have I've ever been know by the name they have on filed while also explaining I have been a victim of identity theft. I asked it be removed which didn't happen and I never recieved verification either.
Consumer complaint received 2018-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IA)

On XX/XX/XXXX, I received an unsolicited phone call from someone claiming to work at Wells Fargo. The person said there was a problem with our upcoming automatic payment draft in XX/XX/XXXX and asked me to provide our bank account and routing number. 

This phone call occurred the day after XXXX. I was in no position to give out our bank information through an unsolicited caller. I expressed my concern to the caller and then went online to wellsfargo.com to check our account after hanging up. Everything looked in order. Our bank account information had not changed in years. I sent Wells Fargo a secure message online and expressed my concern for what I believed to be a phishing call. 

Our payment went through online in XX/XX/XXXX but never was reduced in our bank account. About a week after the payment online was posted, Wells Fargo sent us an email stating the payment could NOT go through. I went online and tried to re-enter our same bank account information and it said it was already on file. I then deleted our information on file and tried to set up a manual electronic payment from a savings account. I doubted it would go through and also re-entered the same original bank account information and tried to set up a manual payment. 

Eventually both payments went through. Again, Wells Fargo did not explain why manual payments could go through fine but it was our fault / our bank 's fault for an unexplained error in pulling an automatic payment. Upon request, Wells Fargo returned the payment from the alternative account, leaving just one payment made for XX/XX/XXXX. 

I scheduled a manual electronic payment for XX/XX/XXXX and it just recently went through. Wells Fargo has yet to acknowledge its error or lack of responsibility for the XX/XX/XXXX phone call that did nothing to accept responsibility for the problem. 

In a letter dated XX/XX/XXXX, Wells Fargo send me a letter saying that they have reviewed our complaint and said that since they told us the call in XX/XX/XXXX was legitimate, we were warned of the problem with our automatic payment. Therefore we had no reason to be frustrated or upset. 

Wells Fargo is a huge company that acts without apparent care for an individual mortgage payer. We have never missed a payment and try to pay extra whenever we can. It feels like they are being deceptive, using practices like unsolicited calls around the holidays that an average consumer would be wary of, and taking no accountability for why their system can still not set up an automatic payment for a bank account that had worked just fine for years. 

We asked for some type of financial compensation / credit to our account for the inconvenience. We also asked that no negative credit reporting be done on our account. 
While they ignored the former request and promised the latter, I think this company needs to be reviewed again for deceptive practices. Thank you.
Consumer complaint received 2018-04-03
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: EQUIFAX, INC. (DC)

I have submitted several requests to please remove items that were fraudulent on my credit report from identity theft however the same reports continues to show on my credit report I have been submitting since XX/XX/2015 when I actually began to evaluate my credit they also continue to keep out date and closed reports as well
Consumer complaint received 2018-02-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

I purchased a wig from this company called XXXX. One the website it clearly states it will be shipped out in one day then delivered in two. My wig was never shipped the next day so I contacted them. I have attached photos off all the emails below. I badgered them on XXXX for some sort of reply and got nothing and I even called over and over again. Eventually I escalated this to my bank by filing a claim. Wells Fargo told me they cant get my money back because I sent the payment through XXXX. This is the company XXXX XXXX XXXX
Consumer complaint received 2018-02-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Re : Disputing Inaccuracies on My Credit Report HUNTER WARFIELD XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX {$4500.00} {$4500.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Dear Sir or Madam, I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you investigate/re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion This item is ( inaccurate or incomplete ) because I do not owe this debt. I received no letter in the mail and when I called the company after seeing it on my report they said it was an error aND MAILED me a letter stating it was paid. I am requesting that the item be deleted to correct the information. 
Enclosed are copies of the following documents supporting my position : 1.Letter form company saying I owe no debt Please reinvestigate this matter and the disputed items within the time frame required by the Fair Credit Reporting Act ( FCRA ) and inform me in writing of the outcome.Thank you for your time and consideration in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX there was a collection account listed on my Equifax report with XXXX, XXXX XXXX XXXX for {$470.00} on the updated report dated XX/XX/XXXX the collections account was no longer listed ; it had been deleted. Now as of today XX/XX/XXXX the account is listed again on my Equifax report with the same collection company and same amount. This information is from XXXX XXXX. Once a collection is deleted it should not be added back with the same information originally deleted.
Consumer complaint received 2018-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

We were charged for 2 different bogus amounts from something called " XXXX XXXX '' first onXX/XX/17 for {$280.00} and for {$240.00} by CitiCards. They were informed that these were bogus charges, credited us and then claimed that there was " proof '' that they were legitimate charges and then recharged us. 

" XXXX '' is apparantly a XXXX website that is all in XXXX letters -- neither read nor spoken by us! 

I've called and written them but I don't know what else to do.
Consumer complaint received 2018-02-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO. (PA)

XXXX  My issue with XXXX  showing on my credit file that I owe money in which I have a letter saying there is no money owed. XXXX tells me that I owe {$770.00}. I want this resolved with this balance. I'm not at all happy with XXXX and it has made me not like or would ever buy the product ever again in life. 

This matter needs to be resolved I'm not interested in no contract been mailed I want to stick to the issue at hand. I also notice that I can never get an answer to what the {$770.00} it's always pertaining to the issue. No where on my letter from XXXX XXXX   owed that it states {$770.00} in any manner of a debt owed or anything else. 

I have also spoke to an attorney regarding the matter and he explain to me its in correct
Consumer complaint received 2018-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (IL)

On XX/XX/ I checked my citicards.com dividend card balance and noticed that they had approved me for a credit line increase. Also during that visit, Citi claimed I could use the new credit line increase for a balance transfer at 0 %. I took them up on their offer and transferred an additional balance to my card. I incurred an approx. {$180.00} fee. 

On XX/XX/XXXXI received a letter from Citi explaining that my credit line was erroneously raised and now I owe in excess of {$6000.00} by this month 's ( XX/XX/XXXX statement ) due date. 

This is where the fun started. I called CITI ( call center 32 - somewhere in Missouri ) and reached XXXX and XXXX ( the supervisor ). I informed XXXX that I would pay the balance, but wanted my {$180.00} fee back before my payment. I had to explain it to him again as he did not grasp the situation. I then asked to be transferred to a supervisor. XXXX, the Missouri call center 32 supervisor - at an undisclosed location, without an employee ID number- explained to me that only after I pay back the {$6200.00} dollars will I get my fee back. He stated that he would do so as a " courtesy. '' Remember, they erroneously raised my credit line and allowed me to balance transfer on the portion they took away. 

I then asked to be transferred to XXXX 's supervisor - at Missouri call center 32 - in the unidentified location - where no-one has employee IDs. XXXX stated that XXXX - the supervisor was currently in a meeting and unable to speak. I asked to hold, but XXXX stated that the phones only hold for 60 minutes. XXXX the supervisor - at Missouri call center 32 - in an undisclosed location - where no one has employee IDs must be a very busy man. 

So, as a customer for over 21 years, I want the balance transfer fee waived - a fee that really was never in existence because of CITI 's error. I want it done before I pay them > {$6200.00} this month also because of their error. Contrary to XXXX 's claim of showing me courtesy, Citi has shown me nothing but disdain on-top of their incompetence..
Consumer complaint received 2018-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Data Corporation (CA)

On XX/XX/XXXX I sent a check to XXXX XXXX in the amount of {$780.00}. The XXXX office redeemed my check electronically. Then, they deposited the paper check into their account, resulting in a duplicate charge for the same check. On XX/XX/XXXX I discovered the duplicate charge and disputed it through my bank. On XX/XX/XXXX the bank concluded its investigation and permanently credited my account the amount of the duplicate charge, {$780.00}. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX demanding payment for the duplicate check that had already been disputed and resolved. I opened a complaint with the XXXX XXXX XXXX on XX/XX/XXXX against XXXX XXXX with instructions to cease and desist sending threatening letters from their collection agency for a debt I do not owe. I also sent a note to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a copy of the notice from my bank that their investigation had been concluded in my favor. In my note, I stated that I do not owe this money and that I expected the matter to be concluded. 

On XX/XX/XXXX I received a response through the XXXX XXXX XXXX from XXXX XXXX. They state they did not forward this account to collections and that my account has a XXXX   balance. 

On XX/XX/XXXX I received a second letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX demanding payment. 

Either this is outright fraud or widespread incompetence. Either way, I do not owe this money. I expect XXXX XXXX XXXX XXXX  XXXX to cease and desist sending letters and to refrain from any negative reporting to credit agencies. I do not owe this debt.
Consumer complaint received 2018-02-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (FL)

company : coinbase.com and XXXX ( same company ) XX/XX/XXXX : Open my account XX/XX/XXXX : I am not longer able to access my account in Coinbase.com and XXXX I have sent numerous emails and called numerous times. They send a form letter say they are looking into my account. I have over $ XXXX in assets with this company. 

Please help! This is my entire life savings stuck in this company
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (OR)

In XX/XX/2016 I filed numerous disputes with chase auto finance, XXXX XXXX XXXX, and XXXX XXXX XXXX regarding an account that is very old. Not only is the information they are providing incorrect, ie status, history etc, but they are ONLY reporting negative information and none of the positive info. They failed to respond to one dispute within 30 days and did nothing, sending me a letter stating that they dont need to respond to every dispute or something to that effect, and all of the other disputes were verified as accurate which they are not. Even IF, and it is not, but even IF the information was accurate, they are ONLY reporting negative info which i believe to be a violation based on information provided by this website.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

I requested that they provide the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A detailed account of the charges that led to the debt, including any interest, fees, or additional charges.

4. Documentation that proves they have the legal right to collect this debt.

5. A copy of the original signed agreement or contract that establishes my obligation to pay this debt.