davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (TX)

In XX/XX/XXXX, Commonwealth Financial Systems reported a negative medical debt that was sent to collections before the original Debt owner XXXX XXXX XXXX XXXX secured payment from my medical Insurance provider who paid the medical bill in XX/XX/XXXX. The amount posted on my XXXX and XXXX credit report states that I am delinquent to the debt of {$700.00}. This was clearly paid and annotated on my medical Explanation of Benefits statement dated XX/XX/XXXX. After repeatedly disputing this with the two mentioned CRA, The Debt collection Agengy ( Commonwealth Financial Systems XXXX XXXX XXXX, XXXX XXXX PA XXXX ) replied without investigating that the amount reported on credit report is correct. I then contacted the original Debt reporter ( XXXX XXXX XXXX XXXX ) who sold the account to Commonwealth Financial System and was given another amount owed that is not correct. Requesting a bill, I then received billing statement with another amount different from the {$700.00} previous reported on my credit report. This information came from Commonwealth Financial Systems XXXX XXXX XXXX, XXXX XXXX PA XXXX in a letter shortly after I contacted XXXX XXXX XXXX XXXX. The information being reported is not correct and I have acquired enough documentation to show that XXXX XXXX XXXX XXXX is trying to collect money not owed that was paid by my insurance and the third party Collection agency is reporting this debt erroneously and using my credit report as a ransom to get me to pay what is not legally owed due to bad billing from the original debtor XXXX XXXX XXXX XXXX. I feel this tactic is to coerce me to pay something or I would otherwise have a negative comment on my Credit report until XX/XX/XXXX. I can send all documentations after I hear back and know I can trust a secure means to send it to your office.
Consumer complaint received 2019-08-19
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. (MS)

The following accounts that are listed on my credit report are fraudulent.  I have tried to correct this issue multiple times with no success with the credit bureau.  XXXX XXXX XXXX XXXX, $XXXX, opened on XX/XX/XXXX.  XXXX, $XXXX, opened on XX/XX/XXXX.  XXXX, $XXXX opened on XX/XX/XXXX.
Consumer complaint received 2019-08-19
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: Santander Consumer USA Holdings Inc. (FL)

Hello, how are you writing this letter regarding a few that were fraudulently opened, I have already tried to dispute these few but have not been able to eliminate them from my credit report, I have an affidavit identity theft and report these accounts as fraudulent please remove  these accounts of my credit report THANKS ..
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (CA)

My property tax was lowered by XXXX County due to the camp fire.  I have an escrow account with my mortgage company which I did not pick, my loan was sold.  I have been contacting CMC Funding since XX/XX/2019.  Today is XX/XX/19 and they still can not change or fix my escrow account. XXXX County has sent me XXXX check because the mortgage company continues to over pay and will not change my monthly payment amount.  In total frustration on XX/XX/19 I asked them to stop paying my property tax all together.  As of XX/XX/19 they still can not do that and every time I ask for a supervisor I am put on hold and then hung up on. I believe that what they are doing is not only bad customer service, but illegal.
Consumer complaint received 2019-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

City Bank : I have deposited $XXXX on XX/XX/2019 which Citi gave me $XXXX out of $XXXX  on XX/XX/2019 and since then I have been waiting for the rest of the the amount $XXXX I have called and called I have been told all kinds false information I know resolution takes to complete with 45 business days with 10 days provisional credit supposed to be given but no one is willing to get to the bottom of this issue I am also gonna attached the document from the the research team also the case or inquiry #is XXXX   thank you hope to hear from you soon thank you.
Consumer complaint received 2019-09-11
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: CCS Financial Services, Inc. (MD)

For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX and XXXX ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : CCS, ACC # XXXX. 
XXXX did remove it.
Consumer complaint received 2019-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANC OF CALIFORNIA, INC. (CA)

My bank Banc of California located in XXXX and XXXX XXXX had 10 days since XX/XX/2019 to dispute a charge from a merchant The XXXX XXXX XXXX   XXXX for {$730.00} on XX/XX/2019 that was an unauthorized charge I never signed for when the XXXX police department was on the scene the employee name XXXX requested me to sign a document authorization get a charge for XXXX that I declined to sign because she was over charging me the receipt I received from the Manager on XX/XX/2019 reflected that I owed a balance of {$240.00} and on XX/XX/2019 XXXX charge me debit MasterCard ending in XXXX for XXXX. XXXX also give me a receipt reflecting a credit of {$550.00} back to my bank account with XXXX XXXX XXXX XXXX of XXXX XXXX CA debit card ending in XXXX but the credit was never applied to my account put my card in a over draft amount. I have send both bank all documents needed to dispute the charges and there has not yet been a resolution. I have spoke with XXXX and XXXX of the XXXX XXXX XXXX for Banc of California in regards to speaking to the dispute department XXXX had advised me that the dispute will not contact me only her and she will summit all document that I Offered her on XX/XX/2019 when the dispute was filed by the end of the business day today which is over the ten days I was advised that the dispute process would take. I have tried to resolve this issue with Merchant on XX/XX/2019 by talking to the manager the front desk associate XXXX who refuse to give me her name another front desk clerk give me her name. I also went to the location and spoke to XXXX today a Manager XXXX over the phone the evening around XXXX western time and they all dont have any receipt XXXX ask me to give him copies of the credit receipt that was never posted to my account with no resolution they all are acting as thou they dont know how the credit was not issued back to my card. I ask for the corporate phone and called there today with no response as of right now. XXXX who worked at the XXXX stated that all charges before XX/XX/2019 were not charges to my accounts but authorizations and without premission charge my account for XXXX.
Consumer complaint received 2019-08-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello I communicated with credit bureaus, Transunion XXXX and XXXX  on XX/XX/2019 Bureaus never responded as of today date XX/XX/2019, see attached letters part of complaint to XXXX XXXX XXXX, lack of attention on my account for their benefits damaging my card in bad faith, as I advise XXXX previously on my emergency situation XXXX ignore as usual this is the second time XXXX  causing me troubles to harm me cancelling cards, after payment made As a note on a previous Credit Card from XXXX, was paid {$300.00} as XXXX advise XXXX close my account after we had an agreement XXXX XXXX me {$300.00} and not investigation made by your office to clarify this abusive practice by company pending for investigation I would like this matter to be address.
Consumer complaint received 2019-08-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

- I was alerted by XXXX XXXX that a debt collection for $XXXX was added to my credit score. I initially did not recognize this debt, but I contacted the collection agency and paid the full amount. XXXX XXXX XXXX the credit agency provided me with "Proof of Full Payment", confirmed that they have contacted the Credit Reporting Agencies, and sent me an email with a letter confirming full payment. This was on XX/XX/XXXXSince that time, I have spent countless hours on the phone, sending fax information, and entering disputes with Equifax. I have sent Equifax all the necessary documentation, the collection agency has provided Equifax with proof, I have spoken with close to 10 representatives from Equifax at this point, and yet THEY CAN NOT CONFIRM THAT I HAVE PAID. So this is still impacting my credit score. This experience is nothing short of gross negligence and incompetence by Equifax. Equifax is making it close to impossible to confirm that I have paid the $XX/XX/XXXXand this is impacting my credit report, taking up countless hours of my time, and impacting my overall mental health and quality of life at this point. After all my effort I am no closer to having this resolved. If you could intervene to make sure I am not being taken advantage of that would be great. I also want to file a formal complaint or even take legal action against Equifax for this. Please advise.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am reaching out to formally address TransUnion ongoing failure to correct inaccurate information regarding late payments on my credit report for my XXXX account ( Account Number XXXX ). Despite my repeated attempts to rectify this issue, including documented requests sent on XX/XX/year>, no action has been taken to amend the errors. This negligence directly violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and continues to harm my credit standing. 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required.

The following discrepancies were noted on my TransUnion report and other major credit bureaus : TransUnion : Shows a 30-day late payment in XXXX and XXXX, and a 60-day late payment in XXXX, despite consistent on-time payments. 
XXXX : Similarly, reflects a 30-day late payment in XXXX and XXXX, and a 60-day late in XXXX. 
XXXX : Reports 30-day late payments in XXXX and XXXX, and a 60-day late payment in XXXX. 
Nothing has changed despite XXXX previous disputes with TransUnion and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability.

Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my TransUnion credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

My parents received a missed call and a left voice mail message today, XX/XX/XXXX from someone stating they were from " XXXX XXXX (? ) XXXX '' a mediation firm, asking to speak with " a gentleman by the name of ( my name ) '' then proceeded to list the last four of my social security number. They claimed a civil matter is pending and it's time sensitive and listed their number for direct contact. XXXX. I called the representative back and she claimed that XXXX XXXX is attempting to sue me for an account closed out in XXXX. I have not received any legitimate contact in regards to this account for years. The lady then told me they could settle for {$320.00} today and could make payments but I have to let her know by Friday, XX/XX/XXXX XXXX EDT or else it's getting pushed onto court. I asked for verification of the debt and she said they couldn't provide that information because all information is held by the XXXX XXXX for " litigation purposes. '' I searched the number and apparently this is a known number for attempting to fraudulently collect on old, already paid debts.
Consumer complaint received 2019-08-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: WELLS FARGO & COMPANY (CO)

On or about XX/XX/XXXX  i was approve for a loan with wells fargo that suppocely be a total of $ XXXX  and or about XX/XX/XXXX I notice the loan term change from XXXX to XXXX and a new apr change added to the loan and I was Discriminating against because of my nationality -XXXX and race -XXXX by the responder for changing the loan agreement and for charging me more then higher than XXXX with similar loan qualifications
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

I HAVE TRIED THRU ALL THREE CREDIT AGENCIES. I HAVE ASKED THEM TO VERIFY PAYMENT STATUS ON THE LOAN. XXXX  HAS FAILED TO VERIFY CORRECTLY OR AT ALL. XXXX XXXX AS WELL AND EQUIFAX.XXXX  XXXX XXXX SENT ME A CERTIFIED LETTER TO SHOW PAYMENT STATUS. ALL PAYMENTS WERE PAYMENTS WERE MADE BY THE DUE DATE OF THE 28TH OF THE MONTH OR A FEA DAYS PAST.. THEIR OWN PAPER WORK SHOWS THE DISPUTED DATES ARENT 30DAYS AN THEY ARE REPORTING IT AS SUCH. THEY ARE IN VIOLATION OF THE FCRA AND HAVE BEEN. THEY ARE HARD TO DEAL WITH, THEY HAVE DENIED PAYMENTS TO THE ACCOUNT BECAUSE IT WAS LATE, AND TO GO IN PERSON TO A BRANCH TO GET IT FIXED OR CALL MANY TIMES. THIS COMPANY HAS BLOCKED ME FROM MAKING PAYMENTS, AND JUST TELLS ME THAT CAN REFUSE ANY PAYMENT THEY WISH. THE CAR HAS NEVER NEVER BEEN IN REPO STATUS FOR THIS NOR WAS IT TAKEN. THEY ARE RUDE AND VERY HATEFUL TO DEAL WITH. A XXXX  COMPLAINT WAS FILED AS WELL. XXXX AND XXXX   XXXX AND EQUIFAX ALL HAVE REPORTED IN ACCURATE PAYMENT STATUS AND REFUSE TO GET PROOF.PROOF IS NOT A REP SITTING A COMPUTER AND SAYING YES OR NO.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: The CBE Group, Inc. (FL)

Lost job was unable to pay these bills so now they are on my credit report stopping me for moving forward XX/XX/XXXX THE CBE GROUP INC XXXX XXXX Ohio XXXX original collector XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX original collectors ) XX/XX/XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX original collectors ) XX/XX/XXXX tried too dispute them
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (MI)

XXXX XXXX XXXX emailed a bill after a phone representative said that the final bill was paid in full. This subsequent bill was thusly never paid. XXXX XXXX XXXX never attempted to contact me again. Instead they sent me to collections. The collections company - Diversified Consultants Inc. NEVER made an attempt to collect the debt ( {$55.00} ) on behalf of XXXX XXXX XXXX XXXX Instead they simply reported to all credit bureaus that it was delinquent without any attempt to collect the debt or giving me the chance to dispute the charges.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

Equifax continually reports my information regarding XXXX XXXX wrong.  I did a dispute on the balance of my credit card.  They fixed that then completely wiped away all records of me having a car loan with the credit union. They do not report the information correctly on the car loan, they let months go by without updating it, but to completely wipe all records of me having a car loan is unacceptable.  I have had this loan with the CU for one year the XXXX of this month.
Consumer complaint received 2019-08-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I called Experian to address some issues and I came across a call with a lady name XXXX from the XXXX XXXX. She refused to help me with the issue was very irrate.  She refused to transfer the call to her supervisor  and refused to give me her last name. I also informed her that the call was being recorded as well. This company customer service is really bad and try to belittle you. I had have include screenshots of how long she has me on hold to speak with another rep
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (IA)

On XX/XX/XXXX of XXXX there was a credit pull on my account and I did not have an account with them at the time and did not receive or create an account with them on that date. I would like this inquiry removed that is reporting on XXXX. Thanks.
Consumer complaint received 2024-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WA)

BANK : CITI CARD : CITI VISA CREDIT CARD ( with COSTCO membership ) ISSUE WITH SMARTPHONE APP The CITI app for an XXXX accepts payments. 
The problem : The amount due to pay the most recent statement balance IS ALWAYS LESS than the amount shown on the statement. 
amount Opinion : If I only paid the amount shown on the " Pay last statement balance '' that is displayed on the I-phone app, I would not be paying the true last statement balance and would, as a result, incur interest charges. I have reported this previously to CITI Bank over several months but the problem has not been corrected. Therefore I am of the opinion it is a deliberate attempt by CITI Bank to force card users to pay interest even when it appears to the card user that they have paid their statement balance in full. 

On my most recent statement the printed statement balance due is {$2400.00} The app payment screen " PAY LAST STATEMENT BALANCE '' is {$2400.00}, an underpayment of {$23.00} which would result in variable interest charges of 19.74 % being applied to the entire {$2400.00}. 

I think CITI Bank is continuing this fraudulent practice deliberately.
Consumer complaint received 2019-08-19
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: DISCOVER BANK (NY)

A card was opened in my name in XX/XX/2014 -Discover financial services LLCIt was used regularly.I did not use this card. It was fraudulent.On the date it was opened, I was not in the country -I have provided my the confirmation of my flight leaving the US-
Consumer complaint received 2019-08-19
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. (WV)

I have disputed XXXX/XXXX on all three credit reporting agencies. Company wrote off amount due which cancelled contract. Sold to collection agency XXXX  which also cancelled contract. I paid XXXX in XX/XX/2015. I can not submit documents. Loss home to flooding XX/XX/2015.
Consumer complaint received 2019-08-19
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: Experian Information Solutions Inc. (NY)

I just recently reviewed my credit report and saw an unknown issue. It appears to me that XXXX XXXX XXXX, a company we rented a cello for my daughter from a few years ago, has been charging me for cello rental even though the cello was returned in XX/XX/2016 and I have not once received a bill or been contacted regarding this since the cello was returned. Clearly, they sold this made up debt to a collection agency who has also never contacted me, yet it’s on my credit report as delinquent since XX/XX/2016. The response from Experian has just been a photo of the months of the year with red dots indicating that I didn’t pay. I have not been able to reach anyone there as when i call I’m on eternal hold and eventually disconnected. The cello was picked up from XXXX XXXX XXXX XXXX from the receptionist. I will attach her email confirmation with me.
Consumer complaint received 2019-08-19
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Navient Solutions, LLC. (IN)

I was called by the number XXXX and was requested my social security number to gain access to my account and then was told they could not gain access and was then forwarded to a dead line. How can I protect my social number now or will they be able to use it to create fake credit accounts.