davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (PA)

In XXXX, XXXX, I received a second bill from XXXX XXXX for a visit in XXXX, XXXX for which I had paid at the time with my check card. In the interim, my credit union had voided my card and issued a new card due to a potential problem with card numbers being stolen. I NEVER received a first bill from XXXX XXXX. I had no idea there was a problem with the payment. I immediately paid the amount owed via their online payment service, XX/XX/XXXX. Approximately 2 weeks later, I received a bill from a collection agency, Receivables Management SystemsXXXX XXXX XXXX XXXX, XXXX, VA. I called this company and informed their representative that the bill in question had been paid by me. The representative confirmed this, but indicated that the collection would nonetheless stay open. On XX/XX/XXXX, I received another notice from Receivables Management Systems threatening to turn information over to credit reporting agencies. This, despite the fact that they had previously confirmed that the original bill was paid by me. This is pure harassment. The fault lies with XXXX XXXX for not informing me of the billing problem, and secondly with Receivables Management for continuing to contact me over a bill which they confirmed had already been paid.
Consumer complaint received 2015-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

*** The Issue**On XXXX XXXX 2015, I was looking on line for XXXX plans, to activate my ( I owned ) personal phone with a pre-paid or pay as you go plan. I came across one such planwith a monthly {$35.00} fee and no activation fee. I activated it & received an order confirmation ( attached here ) with " {$0.00} on fees & $ XXXX monthly ''. This was for emergency use by my XXXX yr old son and some how he lost the phone in a week. So on XXXX XXXX, I requested to disconnect & a partial fee request..which should have been ( 10 days * XXXX = {$12.00} ). 
However I ended up receiving an invoice for {$54.00} ( that included a {$40.00} activation charge ). 
I have called XXXX & tried to resolve the issue number of times, mentioned about the order confirmation mentioning no activation charges. However they have been adamant and are forcing me to pay the activation fee. Which I dispute and I am not willing to pay. 
This has ended up in my credit history. I believe this is unfair and unethical. 
*****It seems more like blackmail by XXXX XXXX " pay up or we will spoil your credit history '' **Hence I would like CFPB to intervene and advise XXXX & Experian tocorrect this negative information from my credit records. I do not have any other negative information on my records and this single event spoils my credit history by more than XXXX points.
Consumer complaint received 2017-08-19
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: EQUIFAX, INC. (GA)

I 'm confused as to why XXXX XXXX REMAINS on my credit reports when they did n't provide the requested documentation in 30 days. I 've tried resolving this issue with Equifax as well as XXXX however to no avail. Equifax said the account is verified however calling to match up numbers is n't enough to properly validate an account. Also, XXXX XXXX with XXXX knows for a fact she did n't respond nor provide proof in 30 days under the law yet she continues to ignore my consumer rights. It is now XXXX and I have given XXXX as well as Equifax more than enough time to do the right thing. At this point I am ready and willing to seek legal action. This is my final notice before litigation.
Consumer complaint received 2023-01-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (SC)

I started receiving phone calls from a number that is marked as being a " spam '' caller on XX/XX/XXXX. The number leaves a voicemail saying it is from the " billing department '' but never leaves a company name or call back number. Appears like a scam. No letter was received from this company to collect a debt, I did not even know the name of the company until I checked my credit report and saw that they placed a collection account on my credit report. The phone number I was called from was XXXX they called me on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Absolutely NO attempt to send me a letter informing me of the debt, my right to verify the debt, or any debt verification information was sent to me from this company.
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There 's a XXXX XXXX account on my Transition file that does n't belong to me. I 've been trying to get rid of for years. Additionally, I got an alert some recent credit inquiries were made without my permission. When I tried to submit my dispute on an account and inquiries and got this message : Request Failed Thank you for contacting TransUnion. Our goal is to maintain complete and accurate information on consumer credit reports. The dispute request you sent us via the TransUnion online dispute feature will require manual processing. 
Dispute Resolution Steps REPORT DATE XXXX/2017 NAME XXXX XXXX XXXX ADDRESS XXXX XXXX, XXXX XXXX What will happen next? 
If you have any documentation to support your dispute claim, you may provide the information to us via mail at XXXX XXXX XXXX XXXX XXXX XXXX. Please remember to include your File Identification Number on all correspondence to TransUnion. 
We will investigate your dispute and return our response via U.S. postal mail. Internet delivery of the dispute resolution is not available for this request. 
If you have any additional questions or concerns, please contact TransUnion at the address shown below to check the status of your dispute. 
TransUnion Consumer Relations XXXXXXXX XXXX When contacting our office, please provide your current file number XXXX.
Consumer complaint received 2017-08-18
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 was checking my credit report and there are two errors on the report that should be deleted on my report due to bankruptcy chapter XXXX was filed XXXX 2016 XXXX XXXX XXXX and XXXX XXXX, XXXX tried working with them and did not get no where no resolution made this has been an ongoing effort to try and get this corrected
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are XXXX medical collection accounts on my credit reports that are not mine. 
I have contacted all collection agencies and they were unable to validate the accounts to my name, last name or even the amount showing on all XXXX credit bureaus report collection agencies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Debt Buyer ) XXXX XXXX XXXX
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied and was approved for a modification on my equity line of credit which was about to balloon. I made all trial payments to the Bank of America. The bank marked me as late both 30 and 60 during the time period when I was making my trial payments. I was never late and fully complied with the bank 's requirements. They have continued to report me late, ruining my credit and now can not refinance my home. I called the bank and spoke with customer service several times only to be shunted around from person to person.
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (MD)

I was shocked when I reviewed my credit report and found late payment on the dates below : 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Focus Holding Company (OH)

I have a a unverified account from FOCU S RECEIVABLES MANAGEMENT  #  XXXX . I had previously disputed this account. I have never done business with  XXXX   XXXX   XXXX   XXXX . Pursuant to the Fair Debt Collection Practice s Act ( FDCPA ) 15 U.S.C.1692g, I dis pute the validity of the debt purport I owe. I request thatFOCUS RECEIVABLES MANAGEMENTProvide verification of the following :  1.  ) The original Application or contract, OR Contract Agreement between FOC US RECEIVABLES MANAGEMENT a nd  XXXX   XXXX  and  XXXX   XXXX   XXXX .    2.  ) Any and all statements allegedly related to this debt  3. ) A ny and all signed receip ts 4. )  Any and all canceled checks  5.  ) Original date of default and collection activity begi n 6. ).  Whether you purchased the debt, and if so, the amount paid for the de bt 7. ) The date ( s ) the debt allegedly accrued 8. ) An item ization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FOCUS RECEIVABLES MANAGEMENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion is reporting a public judgment on my pristine credit report.     This is misinformation. This small claims action was filed by a company that had no legal authority to do so. Is n ot manager or  owner of property as falsely stated on petition.   XXXX  I am in the process of challenging the procedure.   XXXX  I was under the assumption that this public record would not be a facet of a consumer credit file as of  XXXX   XXXX ,  2017 .   XXXX  However, Transunion continues to report this inaccuracy ' I have notified the company previously without resolution.
Consumer complaint received 2017-07-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NY)

My loan was transferred to caliber loan company in XX/2015 at the point I was behind on my mortgage. I was offered a modification and the only option given was an interest only modification for 5 years I sign the documents under duress because I feared being homeless with my XXXX children. the company increases my interest from 3.75 % to 4.625 % for 5 years with all amounts going to interest and escrow my loans has been converted from fha to a conventional loan with a balloon payment of over 30k due before the end of my mortgage ends. I have reached out asking why was this options offered to me and I have been told that it was the only option the investors felt makes sense and to also look at this agreement as a payday loan. Unfortunately I now owe more than my original mortgage and the amount has not decreased even though I have made payments for the last two years after 5 years my payments will go back to the original amount and I will still not be able to afford it and fear going back into Forclosure. I believe I have been taken advantage of by this company, hopeless in ny.
Consumer complaint received 2017-07-13
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: U.S. BANCORP (WA)

I wrote to the credit bureaus twice in XX/XX/XXXX requesting they send me supporting proof of documents, such as, written contract with my signature, complete payment history, ect. The credit bureaus could n't send me anything, but reported back to me that US Bank stated that account amount was correct, and verified. <P/>However ; US Bank also did not send me any supporting documents to me to support their claim. Therefore ; I sent two certified request letters to US Bank first one on XX/XX/XXXX, and second one on XX/XX/XXXX ... Yes, nearly 8 months later, and still no proof documents. US Bank missed the 30 days cut off on the first letter. When they did sent a reply it was under XXXX XXXX XXXX instead of their name, and no agent or manager put their name of it by writing their name on the letter nor did anyone from that company signed it. <P/>They also disrespect any certified letters from consumers because they use an ink stamp " Data & date '' no name or signature on certified return mail. No reply letter & no supporting documents. I reminded them they are violating FCRA section 609 & 611, 15 USC 1681, for reporting incorrect, and unverified consumer account info to credit bureaus without any proof of their claim. Therefore ; by law US Bank must delete the whole account on all credit bureaus immediately. <P/>Also, US Bank has for years been reporting incorrect and unverified account info to credit bureaus without reporting also on the credit bureaus that this account is in dispute ( It is still not reported as disputed account which falsely keep my credit scores low, and harm my creditworthiness for life ). I tried to call them on the phone XX/XX/XXXX after waiting 2 weeks after my 7 days deadline. As soon as I explain to agent what going on and my rights the agent/s transfer me several times without trying to help me delete the account off my credit reports. <P/>After being transfer 4 times and XXXX hang up, I called back just to be transferred to voice mail saying leave a message and state your problems and we will call you back when we are open ... I called on a Monday at XXXX XXXX PST or XXXX XXXX CST ... For Pete 's Sake! They were not close, but they were playing games with consumers to harassed and oppressed them into giving up. I hang up and now I am writing your agency to me to get US Bank to completely delete all unverified account # XXXX off credit bureaus thanks.
Consumer complaint received 2017-07-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Special Financing Company, LLC (TX)

Account number : XXXX. I have previously disputed this loan and it was closed unsatisfactorily. I do not have any legal document binding between myself and the loan company yet they keep calling me and trying to forcefully debit my bank account. I attached the loan agreement they used in closing my previous complaint and on top of the sales invoice it says " XXXX XXXX '' as the seller. XXXX XXXX ( XXXX XXXX XXXX ) is the surgeon that operated on me in XXXX of 2015 and not a loan company. I am not obligated to keep paying Special Financing since I do not have any legal signed document between myself and special financing. I have not received any statement of account from them showing itemized payments that were made in the past. Here are a few other complains that I have about this rip-offs : They have been constantly harassing myself and my relatives with several phone calls. This phone calls are embarrassing and should stop. The company in question is special financing company and they are ripping me off every dollar I get with outrageous interest and fees. I received a medical loan of {$3000.00} on XXXX/2015 and they heaped up additional fee of {$2000.00} and the loan keeps going up every day because of their greed. I have proof that the company paid less than {$3000.00} to the surgeons office ( XXXX XXXX XXXX ). I am drowning in financial crises because they have refused to give me an accurate written breakdown of my payments nor did they inform me that my loan of {$3000.00} was going to be bumped up to {$5000.00}. There are also additional hidden fees and late payment charges attached to the {$5000.00}. This is more like a rip off and no one should be subjected to such trauma. I am tired of living in debt to fulfill their outrageous monthly obligations. Please look into this complaint on the fraudulent actions.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I had a checking account with Huntington bank, I then closed it because the website was not user friendly. The account was closed per my request. They reported that the account is closed for cause ( The account is closed because the account was not handled in a manner consistent with bank policy ) in the XXXX warning report. This inaccurate information was used against me from another bank. The bankviolates the FCRA. Below is the report from XXXX XXXX. <P/>Consumer ID : XXXX Bank Name : HUNTINGTON BANK - OH Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : Present Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX,, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Email Addresses : XXXXXXXXXXXX Thank you
Consumer complaint received 2016-10-04
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (FL)

Normally I make my rent payment monthly thru on line bill pay. 
In this way Chase takes the the rent amount {$1200.00} out of my account, secondly Chase sends the check to the payee by regular mail. I as a client only see the amount of the monies taken out of my account. The rest of the service is performed by Chase. On XX/XX/2016 the payee, called me to advise me that they had not received the rent check, but the money had been taken out of my account on XX/XX/2016. 
In checking the details of the payment, on the check remitted by Chase where the check picture is shown paid and signed I realize that the name of the payee on the check has been altered. 
Customer service from Chase recommends to file a complaint with the police department. 
Customer service from Chase tells me that the check was cashed at XXXX XXXX and that they are working on a rapid solution to the problem, but they contradict themselves in telling me that they do n't know which bank cashed the check. 
The police department recommends that I find out the bank where the check was cashed. 
As a Chase client I feel left out in the cold and waiting for a long process that is not clear and could last up to 120 days with a possible answer of not crediting me back the {$1200.00}. 
This type of service online bill pay is not safe for the client and Chase does not assume the responsibility of the lost funds until the monies are transferred by XXXX XXXX.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-11-20
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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Westlake Services, LLC (GA)

Hello, I was attempting buy a car from someone in Arkansas it was a salvage title XXXX XXXX XXXX  that the seller had fixed and put up for sale. He was able to get me approved the Westlake financial and told me say certain things on the phone when having my first phone call with the bank like I like the car even though I had not taken deliver of it yet and to say I put down a certain amount of money even though I did not. I thought my registration was already done but it wasnt so when I attempted to get it registered I could not due to the car failing an Inspection. I attempted to give the car back to the seller but he was trying to force me to keep it and threatening to sue me. Westlake would not allow me to send the car back since both parties were not in agreement and basically forced me Into a loan with a lemon vehicle. The car ended up getting stolen and they are still trying to hold me responsible for the loan I did not want to do and are attaching late payments to my credit report. I am going to court to try and get this resolved now.