davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NC)

The XXXX Hospital didn't use my insurance or tell me I had over {$7000.00} due in hospital bills from a trip I took around XXXX. 
Here are a list of collections that they have submitted : 1. Current Creditor : Transworld Systems ; Original Creditor : XXXX XXXX Hospital Amount :  {$3600.00} ; Date : XX/XX/XXXX 2. Current Creditor : Transworld Systems ; Original Creditor : XXXX XXXX Hospital Amount : {$2100.00} ; Date : XX/XX/XXXX 3. Current Creditor : Transworld Systems ; Original Creditor : XXXX XXXX Hospital Amount : {$2300.00} Date : XX/XX/XXXX 4. Current Creditor : XXXX XXXX ; Original Creditor : XXXX XXXX XXXX Amount : {$2100.00} Date : XX/XX/XXXX ( I have never heard of the original creditor ) I went to the hospital when I got a XXXX around this time and I supplied them with my XXXX insurance. The only contact I had was an agent who called me and told me I had a balance of {$50.00}, which I paid that day. I disputed all but the XXXX XXXX XXXX because I just noticed it and I have no idea what that even is. 

They never gave me the opportunity to discuss what the charges were or to tell me why they didn't charge anything to my insurance. Also, I don't know why there are three separate charges from XXXX XXXX Hospital. 

This has destroyed my credit and made my life very difficult in getting loans and getting a home. I have had a very hard time trying to repair my credit due to these claims. 

They should contact customers and make sure that they charge to insurance. They also shouldn't tell you that your balance is paid off and then sent a large amount to collections which they can't explain.
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IN)

On Saturday XX/XX/2019 my friends and I attended the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX infield. I stood in line to buy drinks for the three of us, we elected to get two each. At {$10.00} each this would cost us {$60.00}. I gave them my card and when they swiped it, it gave them a working sign, I waited for 10 minutes so I could sign and tip them, but the process never completed. It was a blank screen with the spinning circle. I checked my account on my mobile app and it still had not approved. They said they were having internet issues and Id have to pay cash. I didnt have cash so we didnt get the drinks. A few days later, I found a {$69.00} charge on my account. The charge had completed and they added themselves a 15 % tip! I called Chase and gave them all of that information. They said theyd disputed it, gave me a credit. I didnt hear anything until today when I received a letter saying the claim was denied and they were taking my credit back. They explained that because they provided a signature visa sided with the merchant. I asked them to dispute again as fraud and they refused. They told me I had to work with the merchant directly or file a police report and pursue legal action since I was accusing them of fraud. I asked if they had a phone number for the merchant so I could call because I could not find anything by searching the merchants name and when I tried to call the venue, nobody answered. I never received anything for this transaction and I never signed anything. I feel like Ive gotten nowhere with my bank.
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CO)

I just recently redeemed XXXX  Thankyou points as it was stated that I had XXXX points expiring on the Thankyou website- believing that this would be an accurate number. However recently Citi reduced my balance by an additional XXXX of points that were not shown as expiring as Citi doesn't actually give an accurate account of expiring points ( after some research on the Web it appears this is a known issue with their site ) .. As I as a consumer relied on Citi 's system to show me the proper balance that was expiring ( hence the reason I took action and transfered the points citi was showing as expiring ). I only transferred the XXXX  points to ensure I didn't forfeit any. Had the balance shown the correct amount I would have transferred them to a partner prior to expiration, but relied on the improper account as shown in the screenshot below. I ask the following :. Please return the XXXX   points into my account and extend the expiration a nominal amount so that I can redeem them. 
2. As I have looked into this incident on the web it appears customers of Citi have had this issue with displaying improper expiration since at least 2016. As this is a feature consumers rely upon, I request your IT department look into fixing this. Showing improper amounts and then forfeiting points of customers who rely on this as an accurate number from Citi strikes me as abusive and I myself am frustrated in having to spend significant time correcting an issue that appears to have been known by Citi for quite some time.
Consumer complaint received 2019-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (AR)

This account starting XXXX {$680.00} from commonwealth financial inc has been disputed and removed several times due to lack of verification. The just keep reporting it over and over. I am also taking legal action. Im tired of this! They report It then I dispute it then gets removed and then put back on the next day? How is this possible? With all three CRAs. This is definitely harassment. Something needs to be done!
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-09-16
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: Nelnet, Inc. (CA)

On or around XX/XX/19 I had sent a certified and notarized letter to Nelnet which they had received and overviewed they continue to stick by that the typed in signature on the Promissory Note with my name stands as evidence that I'm responsible for the loan, I told them in a phone conversation ( which I have recorded ) that I contest that's not my signature and I'm not responsible for the electronic signature on the Promissory Note they say I'm responsible for, I then still requested that they send me a Promissory note with my wet-ink signature which they verbally said they do not have such a document and they will not send me a letter stating they do not have such a document. 

On XX/XX/19 I sent out a 2nd certified letter that included an Affidavit of Identity Theft including a Police report explaining the Promissory Note that was sent to me did not have my wet-ink signature and that I was not the person responsible for signing the electronic signature they claim I'm legally bound to, I continue to state I was not the individual responsible for signing the electronic signature, the agency has been notified that I have reported this to the FTC and were sent documents to prove this, they are still reporting to other credit reporting agencies this incorrect fraudulent information that's greatly impacting my creditworthiness in a negative way and also causing me great mental stress due to not being able to gain housing either it be leasing or buying.
Consumer complaint received 2019-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My lender XXXX filled bankruptcy and The servicing of my loan was transferd on XX/XX/XXXX to Loancare. On XX/XX/XXXX i made a pymt in the amount of XXXX to loan care for my escrow. Loan Care took my pymt and assured me it was going to be credited to my escrow. It was not!! They broke up that pymt and applied it to principal and interest only. Nothing went to lowering my balance in escrow!!!!!! And my escrow is showing a negative of XXXX still and loancare has encumbered a two yr advanced escrow cushion of XXXX on me, raising my pymt toXXXX more a mo!!!! I have spoken to 5 Loancare agents since XX/XX/XXXX and every wk they assure me my tax pymt will be reversed back to my escrow. It has not!! The Loancare agents are dishonest, misleading and deceptive! As a result Loancare has  imposed a XXXX dollar increase to my loan pymt creating hardship for me and my family!!! Please Help!!!
Consumer complaint received 2019-09-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have been a victim of fraud through XXXX services and multiple crazy items were sent to my home daily from XXXX. I do not have a XXXX account. It was some sort of scam and fraud. I sent all items back to XXXX through XXXX XXXX. I immediately stopped some of the charges when my credit company alerted me. I have been fighting this fraud for months. This is all done on my Bank of America credit card. 

XXXX came to pick up my return to sender items. XXXX was contacted multiple times as was Bank of America and in the end Bank of America declined my fraud dispute and wants me to pay for it. 

I am a senior citizen.I have no idea how this all occurred and why. I have been a good standing card holder of Bank of America for decades. 

The disputed amount was posted on XX/XX/19 for XXXX. 

I am sick over this. I shouldn't be put through all this stress at my age. I just want these fraudulent charges taken off my account and my account closed after this. I am disheartened that they have not defended my case in this after being with them for so long with no other issues.
Consumer complaint received 2019-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hello, My name is XXXX XXXX. I and my family would like to purchase a home. I haven't moniterid my credit before. There are ample amount of accounts and inquires that do not belong to me. Please remove them. 

Thank you
Consumer complaint received 2019-10-19
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NELNET XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Subject : Formal Dispute under FCRA Section 605B - Identity Theft Notification To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent information from my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). This section mandates that credit reporting agencies block and remove information resulting from identity theft when a valid identity theft report is provided.

Despite my previous correspondence on this matter, you have failed to take appropriate action within the legally required timeframe. Let me be clear : under FCRA Section 605B, you are legally obligated to block fraudulent items on my credit report once I have provided adequate documentation of the theft. My dispute letter and supporting identity theft affidavit were submitted to you on [ date of previous submission ], along with certified tracking [ insert tracking number or proof of delivery if available ]. This submission constitutes sufficient documentation under the law. 

The following accounts and inquiries on my credit report are fraudulent and should be blocked and removed without delay : 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 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 and all prior correspondence as proof of my lawful right to invoke this process. You are required to block and remove the information in dispute within four business days after receiving this notice, per Section 605B ( b ).

Failure to comply with this legal obligation may compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), and I will pursue further legal action if necessary.

I expect prompt written confirmation of the removal of these items within the next ten business days. Please respond to this letter by mailing a copy of my revised credit report reflecting the removals. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (FL)

Got a letter from XXXX XXXX XXXX , XXXX to collect on an account that I did not know even existed. Apparently a company called XXXX XXXX opened an account in my name sometime 2017 with stolen personal information and credit card. 

I sent a letter regarding more information as I suspect this a 100 % a ID/Credit theft but they did not give me any response. 

My credit reports all show a rating of excellent with an absolutely perfect history. XXXX XXXX or XXXX XXXX XXXX , XXXX has yet to give me any information or evidence on this money I owe. I have never shopped at XXXX in 2017 or any year for that matter nor did I have ever used a/ANY loan service at " XXXX. '' This is a ID/Credit scam they have gotten from me and I want to get this out of my credit report.
Consumer complaint received 2019-09-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Medical & Professional Collection Services, Inc. NC. (IN)

I was in the XXXX from XX/XX/XXXX-XX/XX/XXXX. I have been working to obtain a VA loan for a home for my family. However, I have 4 collections through the same agency that have to be deleted in order for my credit score to reach the required number. I called this agency several times ( fromXX/XX/XXXX to XX/XX/XXXX ) and was given excuses as to why they couldnt delete them. Some of those excuses were that its illegal, they have a contract with the credit reporting agencys, and that its not honest. Each time I called, they would give me a different reason that they couldnt help me. I offered to pay all 4 collections in full provided I could have them deleted, but they said best they could do, is mark the accounts as XXXX. Any help you may be able to provide would be greatly appreciated. The collection agency is XXXX XXXX  XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, IN XXXX. Phone number is XXXX. The first two collections is from XXXX XXXX one is for {$580.00}, which was opened on XX/XX/XXXX and the other is for {$370.00}, which was opened on XX/XX/XXXX.The next account with them is from XXXX XXXX XXXX ( accountant ) for {$350.00}, was opened on XX/XX/XXXX. The last account with them is from XXXX XXXX XXXX XXXX XXXX for {$250.00}, was opened on XX/XX/XXXX.
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TRANSUNION IS UNAVAILABLE TO ME ONLINE DUE TO A COMPUTER GLITCH OF THEIRS..IT WOULD BE GREAT IF THEY KNEW HOW TO GENERATE SECURITY QUESTIONS SO I COULD USE THE SERVICE. 
THERFOR I OFFER THE FOLLOWING COMPLAINT : XXXX XXXX XXXX XXXX XXXX XXXX  HAS DEFRAUDED ME.I PAID XXXX DOLLARS UNDER A DURESS SETTLEMENT THAT I SHOULD HAVE PAID NOTHING. 
XXXX AT TIME OF SALE /SERVICE INTENTIONALLY WILLFULLY DEFRAUDED ME AND VIOLATED THE IMPLIED WARRANTIES LAWS OF CALIFORNIA . 
DUE TO THE UNDISCLOSED LACK OF CELL TOWER COVERAGE IN MY AREA XXXX SERVICE WAS DROPPED CALLS, INTERFERENCE, MISSED MESSAGES AND JUST GENERALLY FAILURE PRONE.SINCE XXXX KNEW THIS THEY SHOULD HAVE NEVER SOLD ME THE REASONABLE EXPECTATION OF ADEQUATE SERVICE. 
I WOULD LIKE THIS XXXX ACCOUNT DELETED FROM ALL CREDIT BUREAUS.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

My account with Synchrony Financial was closed in XXXX. I have continued to be charged late fees charged on going. The auto payment continues to fall off, Due date moved without notice. Unable to reach anyone because the account is closed. I have continued to pay on this closed account for the last three years. The balance is almost paid but each time I check the account, either the auto pay falls off due to the account being closed or the due date is moved. I am unable to contact anyone that can help me. I am only able to go back to YTD XXXX of XXXX. Since then, I have paid a total of {$630.00} dollars in payments and been charged {$360.00} in fees. The account balance on XX/XX/XXXX was {$890.00}. Without the fees, my account as of XX/XX/XXXX would be {$250.00} not the {$660.00} reflected. 
I appreciate your help in this matter. 

XXXX INTEREST CHARGE ON PURCHASES Posted {$18.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$19.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$21.00} XXXX LATE FEE Posted {$38.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$19.00} XXXX LATE FEE Posted {$38.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$19.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$20.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$23.00} XXXX LATE FEE Posted {$38.00} Interest INTEREST CHARGE ON PURCHASES {$23.00} XXXX INTEREST CHARGE ON PURCHASES {$21.00} XXXX INTEREST CHARGE ON PURCHASES {$23.00} XXXX INTEREST CHARGE ON PURCHASES {$22.00} XXXX INTEREST CHARGE ON PURCHASES {$23.00}
Consumer complaint received 2023-10-01
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (FL)

XXXX XXXX XXXXXXXX at US Banks Commercial Banking Division is newly added to the Florida educational scholarship program called, XXXX XXXX for Students. 

Now, over XXXX Florida families are being coerced into utilizing a US Bank card for reimbursements from the educational scholarship program. We have been informed, that we are forced to use the US Bank card for reimbursement purposes or we dont get reimbursed for our childs educational products and services. Its actually printed on the issued card that we forfeit funding if we dont activate it. 

Thank you very much for your assistance in this matter.
Consumer complaint received 2019-10-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (NJ)

I disputed the account in the amount of {$1400.00} that I do not owe and I have not received a copy of a bill. Not a contract with my signature, social security or identification attached. Now in their letter they said this is accurate proof which is a lie. In my validation letter I asked the following : 1. Assignment clause 2. Notarized letter of debt purchase 3.Signed contract from original creditor 4.Copy of license to collect in the state of NJ None of this was submitted so they failed to prove 100 % accurate as per fair credit act. Now they are saying it verified but sent me no proof of that. Now they say it has been sold but the original creditor is still having this charged off account reporting and not the new creditor.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XX/XX/2023 I submitted a claim to CFPB concerning a request that I sent to all 3 bureaus on a dispute regarding information that is being reported. However, CFBP closed submission because one of the bureaus Equifax responded with a remark saying claim was verified. 

My concern how was this verified? I continue to ask for this information. So, now I'm asking for re-investigation. 

According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Please note, a third-party furnisher of information, such as XXXX  XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third-party source. According to the bankruptcy court ( letter attached ), they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or deleted the bankruptcy from my record according to FCRA, Section 609 a ( 2 ).

Please provide me with : 1. Court House name 2. Name of person who verified Bankruptcy.

3. Court house address, telephone number 4. Documentation used to verify dispute