davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MA)

I opened a Macy 's credit account and they provided me with a temporary card. I received a bill for the balance before I received a physical card. The bill did not include a full account number so I used the account number referenced on the temporary card and paid in full ( XXXX ) via my on-line checking account. They took the payment but lost it. I received a second bill stating balance was not paid and charging interest. I immediately called in, explained my issue and was told another department would look into it and call me back. They never did. I have contacted the credit card company no less than 5 times. I have sent them proof of the payment with amount and their name on the withdrawel. I have shown they never returned payment so they still have it. Within 30 days of sending them this information they reported non payment to the credit bureaus. I have sent the credit bureaus the same proof but apparently my credit score keeps going down. The bills even say the account is in dispute and I do not owe the disputed amount at this time, but the only other charges on the account are the fees and interest on the {$330.00}. I recently applied for a XXXX XXXX XXXX and was denied due to this issue. How do I get this removed from my credit report, restore what was an excellent credit rating and get Macys to apply my on time and in full payment that they took on XX/XX/?
Consumer complaint received 2023-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arcadia Holdings, LLC (PA)

There has been a problem with billing with this company. This keeps coming back. In XXXX I was on medicaid. XXXX XXXX was paid through medicaid and financial assistance. The amounts were paid. I have not received any statements from XXXX XXXX stating I owed money because it was paid. Now in XXXX here we go again. Now its a different collector Arcadio stating I owe {$1300.00}. First it was the XXXX XXXX now its Arcadia.
Consumer complaint received 2023-04-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Upgrade, Inc. (FL)

I continue to receive emails before XXXX from Upgrade. According to Florida law it is illegal to contact an individual by phone, text or email prior to XXXX. This has continued to happen multiple times from Upgrade. I have already reported this issue and nothing has been done. If this continues without a resolution, I will seek legal action.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Recently, I did an investigation on my credit report and found several items on there to be ifaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-27
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: Credence Resource Management, LLC (NC)

VALIDATION AND CEASE AND DESIST Collection agency name : CREDENCE RESOURCE MANAGE Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX, XXXX, NC XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2017-04-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NJ)

I was sent emails stating that they would assist me with an income-driven repayment plan. Not only was I deceived in their intent to assist me but after numerous delays in processing by Navient to start the deductions, they notified the credit reporting agencies that I was late in my payments and now I have lost XXXX points on my credit report.
Consumer complaint received 2023-04-10
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. (TX)

This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession.
Consumer complaint received 2023-04-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc. (AL)

on XX/XX/XXXX i received a alert from my XXXX app that my credit score had dropped XXXX points which brought me to a poor rating. i instantly called the number showing on my app and asked credit collection services what i had collections for, they stated to me that i had a collection of XXXX for insurance on my old vehicle, i stated to them that this vehicle had been sold, and that i had cancelled the policy months before my credit score dropping. i asked the lady what i needed to do to get it off of me and make my score go back up and she told me if i paid the XXXX that they would promise to remove the collection from my report due to them not contacting me via cell phone or home address, or actually at all just going straight for my credit. i then paid the amount, days later nothing changed and now they are stating they will not remove the collectio, my collection accoun number is XXXX and the confirmation that i paid it in full on XX/XX/XXXX after the collector promised if i paid they would remove the collection is XXXX i had canceled the police via cellphone through the XXXX  app the day i sold the vehicle, payments should have stopped then and i also had direct payment set up from my bank account, I have never missed a payment before i had great credit and a great history until this, and this collection agency failed to report it to me before destroying that for me and they also lied and stated they would remove it if i paid. im not worried about the XXXX i just want my credit back the way it was and the collection removed, because this was not due to my fault this is on XXXX for not closing my account like they stated they did and the collection service. I opened a dispute on this afterwards, but the company did lie and tell me they would remove this once i paid and instead on XX/XX/XXXX they added a additional collection for the same thing with a {$0.00} amount which when i contacted credit control services about they ignore me and disclosed they could not speak about credit reporting. If they do not remove the collection I will be contacting a lawyer and I also will be move forward with submitting this to XXXX, XXXX and XXXX XXXX after i hear back from this, i am attaching my credit history showing no missed payments, the 2 collections from them ( for the same thing ) and the reciept where i paid them, I spoke with a XXXX agent on XX/XX/2023 at XXXXXXXX XXXX and she stated to me my XXXX local agency is XXXX XXXX she said my account with XXXX is paid in full and they are unaware of the collection amount that credit collection services put on me and she said i also should persue getting this removed.
Consumer complaint received 2024-10-14
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: EQUIFAX, INC. (MT)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2023-04-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc. (FL)

XXXX XXXX XXXXXXXX XXXX are stating i owe them XXXX for a service call that was cancelled. Hurrican Ian hit us in XXXX FL in XXXX 2022, my pool heater stopped working. they told me it would be 6 weeks before they could get here i called them two days later to inform them i had a company coming out in three days. They were ok and cancelled the appt. In XXXX i received a call stating i owed them for a service call. i explained i had cancelled and a technician did not come to our house. they told no problem ; they would take care of it. in XXXX i receive a bill in the mail. I called again, they were apologetic, and they were to remove the balance. in XXXX i received a collection letter from A.R.M services agency Account number of XXXX collection services stating i owed the amount. i wrote the company ARM and they were contacting the company. I called XXXX XXXX and the lady told me they were on a new system and that's why there were no records, but it was out of their hands. I have a great credit score of XXXX and want to keep it that way. please help me to reverse this. 

Thank you
Consumer complaint received 2023-04-10
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. (TX)

This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts.

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession.
Consumer complaint received 2023-04-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST HORIZON BANK (NC)

I was affected by covid and lost my employment. I was not able to pay my mortgage and reached out to the XXXX  for assistance in XX/XX/2022. The XXXX has reached out to XXXX XXXX ( my mortgage holder ) over 6 times via their portal. And XXXX XXXX has refused to respond. When I call XXXX XXXX they keep hanging up on me or when I am able to get someone they say they are trying to collect a debt when I ask about anyone reaching out to them they say they don't see it in the system and the XXXX person that works those cases in the portal has not received it. I am trying to keep my home I have nowhere to go with my children that is safe and that I can afford. I have a great job now that pays me well. I can more than afford my mortgage. But it is like they are trying to take my home. Please help me.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to ensure the accuracy and completeness of the information you report. The reported late payment is inaccurate and must be corrected immediately. The case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) established that credit reporting agencies must take reasonable steps to ensure the accuracy of the information in consumer reports, including investigating disputes regarding incorrect data. I request that you conduct a thorough investigation into this matter, update my credit report to remove this incorrect information, and provide written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I expect a timely resolution in accordance with FCRA requirements. 

I HAVE BEEN SENDING DISPUTES TO THE CREDIT BUREAUS SINCE XX/XX/XXXX AND NOT ONE TIME HAVE, THEY RESPONDED. ALL THEY DO IS SEND THEM SYSTEM GENERATED LETTERS ABOUT A DISPUTE NOT BEING FROM YOU. WHAT DOES IT MATTER WHO SENT IT. JUST DO YOUR JOB.
Consumer complaint received 2024-11-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I wrote to Citi on XX/XX/year> : My CD IRA account ending with XXXX ( the complete number is curiously kept secret from me ) still is not listed among my IRA accounts on line preventing me from managing the account ending with XXXX on line. 

In their response letter with Reference BPMS XXXX they essentially stated that they will not disclose to me my own account number because it is not safe to do so, and they chose to ignore my main request which is to include the mentioned account for online access
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Via advertisements in XXXX and XXXX of XXXX, I was offered a credit card with 0 % balance transfers, subject to a transaction fee. On XX/XX/XXXX, I made a balance transfer from my XXXX Credit Card ( not affiliated with Capital One ) to my new Quicksilver Capital One credit card. I am now being charged interest. While I did write to Capital One asking why I am now being charged interest and did in fact receive a letter from Capital One dated XX/XX/XXXX, the letter instructs me to call customer service and provides no further detail. After speaking with customer service representative ( ID # XXXX name : Main ), he told me I have 0 % for purchases and standard terms for balance transfer. This is not what was advertised to me, and it is not what is being advertised today through the online Quicksilver advertisements. Therefore, I write to CFPB for assistance in resolving this switching of terms.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (NC)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX DeaXXXX XXXX XXXX XXXX  I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-04-11
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. (FL)

n accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-10
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. (VA)

I need XXXX to verify how they are reporting this account as verified when I called XXXX myself and the date of birth that they have on the account is not mine. The address that they have for the account is not mine. 

I have attached the results from XXXX. 

I dispute this account under 15 USC 1692g validation of debts.