davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I have bankruptcy listed on my credit report and XXXX XXXX confirmed they do not verify this Information. They can not verify or confirm the Bankruptcy. The only place that can confirm is the courthouse and I did not provide consent. With that, all records indicating Bankruptcy via my credit report with all credit agencies must be removed.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 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 reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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!

Delete the late payments from my consumer reports 8
Consumer complaint received 2016-02-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BC SERVICES, INC. (CO)

3 years ago I had a brief XXXX procedure and received XXXX on my foot. I had insurance and paid my deductible. 6 months later a company not associated with the hospital and in another city sent me and invoice for {$900.00}. They wo n't sue me because they ca n't prove this is mine. Just last month they changed the dates with the credit reporting agencies to make it appear this is a new debt. I was suppose to refinance my home this month and I paid {$500.00} for an appraisal and now my credit score is to low to qualify for a {$600000.00} mortgage. I want it removed.
Consumer complaint received 2024-08-13
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: Experian Information Solutions Inc. (GA)

This is a fraudulent account. I have claimed this as fraud. I have sent my FTC report, Drivers License bank statement, FTC Letter. Ive asked for this account to be blocked experience told me that they would not remove or block it, even though XXXX has no record of this account or balance. Experian said that they were provided with information to validate the account and XXXX said that was a lie.
Consumer complaint received 2015-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (FL)

My husband and I have lived in our house for 3 years and we asked Shellpoint Mortgage ( the current lien holder of our house to perform an appraisal, as we wanted to know how much equity we had in the house at current market value so that we can pay the difference to get it up to 20 % so that we no longer have to pay the PMI. The appraisal was done and we were charged XXXX The value of the appraisal was much lower than the amount on which the county was calculating our property taxes, so I asked for them to send me a copy of the appraisal so I could see where the discrepancy was. It took them nearly a month for us to receive this appraisal ( and I had to call several times to request it ). The appraisal finally came and my husband noticed that the square footage on the appraisal was XXXX, which was XXXX square feet lower than the XXXX that is on record with the county, which resulted in a valuation of our home that was {$10000.00} lower than it should have been ( assuming the same value/sq foot that the appraiser was using on the appraisal ). On XXXX XXXX, I called Shellpoint to request that the appraisal be corrected. Since then ( nearly 4 weeks ago ), I have been calling every few days to check on the status of the correction of the appraisal, and it seems things are not moving forward. They have had plenty of time to correct this straightforward error. Please help. Every month that passes that the appraisal is not corrected is costing us {$170.00} in PMI.
Consumer complaint received 2016-06-13
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (MD)

On Thursday XXXX XXXX, 2016 XXXX, I went to Citibank located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX to deposit {$100.00} for my brother-in-law into his checking account. I was told that in order to deposit the money, I would have to show teller my ID. I gave the teller my driver 's license ID as requested. 

After further discussion, her supervisor/bank manager ( XXXX woman whom I did n't get her name ), came over and joined the discussion. I was then asked by the supervisor where I worked before I retired. I asked, " Why do you want to know where I worked before I retired? '' She said this was Citibank policy. 

I responded that you have my driver 's license with my photo on it and that should be adequate. I gave her my former employment information requested. 
Then I was asked by the bank manager, " What did you do at the job before you retired? '' At this point in the conversation, I was livid. I felt that this was an invasion of my privacy. I have concerns about ID theft. They wrote the information down I gave them before I could deposit the money. 

I have never been asked to give personal information about my work status and the job I performed by any bank where I deposited money for a person in my XXXX years on earth. I want you to investigate this bank policy to see if it is applied to all who do n't have accounts at this bank. There was no visible sign in this bank about this policy. 

On the back of the deposit slip, I received states, " Deposit may not be available for immediate withdrawal. Contents and totals of any deposits listed on the reverse side are accepted by Citibank subject to verification and will be credited in the amount verified. '' There was no information about bank policy regarding a {$100.00} cash deposit.
Consumer complaint received 2016-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (PA)

Have attempted to obtain a modification on this mortgage since XX/XX/2016. Submitted multiple sets of documents, but no mod. The home is valued well below mortgage, comps in area are XXXX less. No communication from Shellpoint since XXXX XXXX
Consumer complaint received 2021-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc. (TX)

Received summons to appear in court on XX/XX/2021. I called Credit Corp to find out what this was about and why I had not been notified of this earlier. Credit corp said I was served papers in XXXX last year. Claim I was served by placing on my door. I never received a phone call or letter till the XXXX summons to appear in court. I send a letter Credit Corp to verify my signature and have received no paperwork with signature. Been over 30 days.
Consumer complaint received 2016-05-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (PA)

Citi Banks has failed to open an account under the Fair Credit Reporting Act. Citi Bank has failed to transfer funds under the Electronic funds Act, from the XXXX to, Citibank N.A.XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (WA)

XXXX XXXX, XXXX representing Pinnacle Credit Servicices LLC has put a derogatory mark on my Credit Report. I had cancelled my service with XXXX over 7 years ago and they are saying that I owe them evidence to support my dispute on my Credit Report. I sent a letter to XXXX 7 years ago diputing the alleged amount they were stating that I owed. I called XXXX and cancelled my account with them, and told them to turn the phone off because it had been stolen. The thief somehow got the phone re-activated and was using it without my knowledge. I refused to pay the amount owing because I had disconnected my service when the phone had gotten stolen. Pinnacle is asking for substantiating evidence, including a police report ect, a notorized affidavit or a filed court order, and they need that within 5 days. This was a debt from over 7 years ago! They put this on my credit report after the statue of limitations, like it was a new debt! This needs to be taken off NOW! It is effecting the amount of my Car insurance and may effect me getting a loan in the future. At the bottom of the letter it states that " This is a communication from a Debt collector. " " This is an attempt to collect a debt and any information will be used for that purpose '' I had told XXXX not to contact me about this debt, now they are doing it under a collection agency.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (CA)

See previously submitted dispute below. Bluebird has still never contacted me by mail or otherwise to initiate the dispute of a fraudulent XXXX charge. I need this XXXX charge reversed today. This is ridiculous. 

XX/XX/2020 Bluebird Customer Care, XXXX. XXXX XXXX, XXXX, GA XXXX. RE : Family Account To whom it may concern : I am writing to dispute the XXXX XXXX  charge that appeared on my sons family account. He did not make this charge and we have been trying to get a hold of your fraud department for weeks, on hold hours at a time, to dispute this. And, you do not make your mailing address easy to find. I have several American Express accounts and have been pleased with them, but you have completely dropped the ball with this product. You need to give serious though to your customer service with regard to Bluebird cards. Your inability to take care of this fraudulent charge is ridiculous, even given the circumstances. You should allow us to dispute fraud on the website. What if this had been a fraudulent charge for more than {$9.00}? That could be devastating to someone. ***Please immediately dispute and reverse the {$9.00} XXXX charge, which posted on XX/XX/XXXX. We have already cancelled that card and requested a new one through our account on the website.
Consumer complaint received 2016-02-18
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (IN)

I have a credit card through the retail store Best Buy that I made a purchase on with 12 months deferred interest on my purchase. Payment was due XXXX XXXX in full or I would be charged the deferred interest charge. I did not get payed by my job and called to ask to have the due date extended, to avoid the charge and pay it off in full when I got paid. I was assured this would work, but the due date came and I was assessed a late fee. After this I contacted them again and was assured there would be no problems as long as I paid off the full amount within 6 days of the original due date, so I found the funds and paid it off the very day after speaking with them again. Then today I wake up, the deferred interest charges are now on my account, and they tell me that there is no way to remove them even though I was assured they would n't be charged in the first place. I took screenshots of the final chat I had with this company, and am just looking for advice on how to proceed seeing as they are unwilling to work with me anymore after lying to me.
Consumer complaint received 2016-05-27
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX, Macy 's replaced my existing Macy 's credit card with a new store branded American Express credit card issued by Department Store National Bank, a subsidiary of Citibank. The previous card was sending e-bills to my bank. I do n't shop at Macy 's often, but there was a charge on the credit card for a total of {$99.00} on XXXX/XXXX/XXXX. I never received a paper bill at my mailing address, an e-bill at my bank, or an e-mail bill at the e-mail address in their records. Suddenly, XX/XX/XXXX, I got a letter from their collection department. When I called, they said they could mail me a bill in 2 weeks, but they refused to e-mail me any information. There was no way to get any information on line with my Citibank accounts ( even though Department Store National Bank is owned by Citi ), and I could n't get online access to the Macy 's card account separately. Basically, my choice was to pay the bill without ever seeing it and verifying that I actually made the charge, or let my credit score deteriorate while I waited to see what they would send. I was able to get customer service to eliminate the late fees and I paid the {$99.00} because they said if I did n't pay it right then, they would add back the late fees. They closed the account, which is fine with me because I 'm so mad I would have closed it anyway. But, I am very concerned about their reporting to the credit bureaus and my credit score. I pay my bills every month in full and have a FICO score in the XXXX range. This company should be required to send a bill before sending an account to their collections department.
Consumer complaint received 2016-08-08
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

To Whom It May Concern, I have always enjoyed an excellent credit rating and have worked hard to earn such. 
In XX/XX/XXXX, my bank Capital One, without my knowledge, stopped my auto payments ( EFT ) from my personal bank account, to my Capital One Credit Card, issued by the same institution. I had no knowledge that the payments had been stopped. Neither the bank or my credit card company notified my that my credit card was 60-90 days past due, no phone call or email. It was only when I checked my XXXX and XXXX report, that I noticed that my credit card had been unpaid for 3 months. I have called the bank and credit card company trying to resolve this issue only to get a giant runaround. They have essentially ruined my credit.. I am trying to refinance my home and may lose my property because of this. Can you help me to rectify this problem? Your help is greatly appreciated.
Consumer complaint received 2015-10-23
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CA)

I routinely schedule my monthly Citi card payment online ; I also routinely find that the payment I schedule for XX/XX/XXXX, on or about XX/XX/XXXX, is not in the system. So I schedule it again the day its due. This past month, I went through this process ( checking to make sure my original payment was n't in the Citi system ), only Citi charged my bank account twice, overdrawing it. I called Citi immediately once I learned about the second charge, and they assured me they would stop it. They did n't. They tried to charge my account two more times, and when I called again, they said they were " investigating '' and could n't stop their system from the repeated attempts. When I then contacted them asking to be reimbursed for the overdraft fees from my bank ( now {$100.00} ), they said that because I scheduled both payments ( because their system failed to show me my first scheduled payment ), they wo n't reimburse me ( they also did nothing to even attempt to stop their system from charging my account ). I 'm now out {$100.00} ( and I had to delay or stop other payments as well ), and they 're stonewalling me ; I could use some help. 

Thank you
Consumer complaint received 2017-01-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have disputed the credit account multiple times and the account still remain on all XXXX of my credit profiles. I have also obtained a police report stating I was a victim of identity theft. I have asked for this account to be removed numerous amounts of times but to no avail. Please help me remove this inaccurate information from my credit file as it is affect my life as well as my family.
Consumer complaint received 2016-04-02
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had a personal Capital One credit card ( actually XXXX of them ). I got be hide on the payments due to owning my own business. I was contacted by XXXX XXXX collecting agency demanding a payment. I contacted XXXX XXXX and came to a resolution on the account. XXXX XXXX and I agreed to a settlement offer. On XXXX XXXX, 2016, I paid XXXX XXXX {$680.00} of the {$970.00} balance, Capital One in XXXX 2016, started reporting the collection balance of {$290.00}. ( the difference between the XXXX amounts ). I contacted Capital One and the representative stated unless I pay the {$290.00}, they will continue to report and try to collect the amount, I forward Capital One the letter I received from XXXX XXXX stating the debt was paid through a settlement with a XXXX balance. Capital One said the paper did not reflect what I owed them. I told them that XXXX XXXX was acting on their behalf. I contacted XXXX XXXX and asked if they had sent over the arrangement that we agreed upon. He replied yes and that the account was paid in full and that he would contact Capital One. I waited a week and contacted Capital One. I was told that I still owe the {$290.00} and it would be reported until it was paid.
Consumer complaint received 2016-08-24
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

XXXX XXXX XXXX began taking automatic payments on my car insurance policy This policy was opened in XXXX and my policy premium was originally {$1900.00} or around XXXX/ month. However in XXXX XXXX, XXXX XXXX increased my rate to $ XXXX/ month without informing me of the premium increase either by email or post. Since the charge was made directly to my credit card, I did not notice the increased charge until XXXX XXXX at which time I cancelled my policy because I did not want to pay high premiums and obtained coverage from another source. I notified my credit card company and disputed the charges, and a partial refund was obtained for several months of overcharges. however not all of the overcharges were refunded because the credit card agency would only dispute claims from the past 3 months. Since then I have been battling with nationwide who claims that I still owe them a balance on my account and has sent my balance owed to collections and has threatened my credit score.
Consumer complaint received 2016-08-06
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Medical Data Systems, Inc. (GA)

On XXXX XXXX, 2016 I contacted Medical Revenue Service at XXXX. I spoke with a debt collector named XXXX and his supervisor XXXX. I called to see if a settlement would be acceptable. I was told that no settlement was available. I attempted to end the call. XXXX proceeded to take some brief financial information in an effort " to help me ''. I complied with his request. He gave me XXXX payment options : {$200.00} every two weeks or pay off the debt with a credit card immediately. He made it a point to inform me multiple times, in a surprising manner, that this has not been yet reported to my credit report. I refused the options. XXXX said he wanted me to speak with his supervisor XXXX. I complied. She proceeded to give me the same options. I had previously sent a written dispute of a portion of the debt and attempted to explain the dispute. I gave an example of one of my dispute issues. She said it did not matter because the hospital rendered services that they deemed necessary regardless of what I think or dispute. XXXX then proceeded to use credit reporting as a fear tactic to manipulate me into paying a disputed debt stating ( and the call is recorded? ) that she could n't believe this debt had not been reported to the Credit Bureaus but it will be now. ( Are n't there guidelines for reporting? ). I advised them both to let me be concerned with MY credit report in which I will handle. They continued to threaten to report the debt which they conveyed with doom and gloom if I did not succumb to their demands. 
I have no problem with a debt collector informing me of the consequences of not paying an obligation. To use those consequences as a means to collect a debt through fear is unacceptable and could be construed as harassment. I would not have called MRS if I did not have intentions of resolving the debt. 
Furthermore, the debt was disputed on XXXX XXXX, 2016, sent by certified mail with a signed returned receipt. The validation of the debt dated XXXX XXXX, 2016, that I received from MRS , is incorrect and invalid as the itemized billing statement for services rendered is incorrect and does not coincide with the amount MRS is saying I owe which may be in violation of section 807 of the FDCPA. ( see attachments ). 
I have now disputed this debt 3 times because of duplicate services performed by XXXX XXXX Hospital and their affiliates. Not once have these disputes been formally addressed by the original creditor or by those contracted by XXXX XXXX hospital. I am aware that by law the debt only has to be validated but one would think that to simply address the dispute properly to resolve this debt would save a lot of time, effort and money.
Consumer complaint received 2016-06-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

On XXXX XXXX, 2015, I opened up a Citigold checking account by applying a promotion code XXXX. With that code, XXXX Thank you points would be credited to my account within 90 days after I complete all requirements within 60 days after account opening. Before I submitted the application online, I called Citi customer service and one representative confirmed that I would get the bonus if I used that code for account opening and pay XXXX bill for two consecutive months with 60 days. I have done much more than enough to fulfill the requirements. I contacted Citi customer service 90 days after I completed all the requirements ; however, I was told that I was not targeted and I could not get the bonus. Furthermore, Citi charged me $ XXXX monthly fees each month. I deeply feel that I was mislead during account opening and I have wasted six months waiting.