davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

I am filing this complaint in regards to a debt that I had previously dispute directly with XXXX XXXX XXXX ( XXXX XXXX ) ACCOUNT WWR # XXXX. I never received a response back from XXXX XXXX XXXX. I HAVE HAD SOME ISSUES with Fraud that are still being addresses. I am in the process of filling a FTC ID theft compliant at this time. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c )
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CO)

History : I have a Credit Report between XXXX - XXXX over the course of more than 10 years. I have a Citibank, XXXX card which I have paid in full month-to-month. In XXXX I mistakenly sent about {$120.00} less payment than required to pay the balance in full. I was charged a fee of {$20.00}. I called Citi, understood my error and accepted the fee. 
The following month of XXXX, I received a statement for payment, with the balance due on XXXX XXXX of {$930.00}... presumably to pay the account in full without interest fee. On XXXX XXXX I paid {$950.00}, an excess payment of {$14.00}. One would presume I would then have a positive balance in my account of {$14.00}, but that is not the case. Rather I was charged interest of {$16.00} as CitiCard charges two full months of interest fees against a overage balance. BUT IT DOES NOT PUT THIS IN A STATEMENT. 
I accept this is in the credit card terms, but IT MUST BE REFLECTED IN THE STATEMENT. 
This is an incredibly deceptive practice that the credit card holder does not and can not visibly know the FULL amount owed. In addition, the direct line staff could not explain the reason for the additional interest, but rather blamed the miscommunication on me as somehow I could not " understand her XXXX accent. '' ( This is a bit of a non-sequitur -- sorry. ) The statement does not reflect the true fees and interest required to be paid to bring the account to full payment, line staff could not capably explain. 

Resolution : 1. Citi did agree to remove charges for both months as I do pay regularly. 
2. I have closed the account. 

But, the real issues remains... hiding of the fees in the statement that should reflect " FULL '' payment required to bring the account into balance. Less aggressive consumers could be charged another two month of fees for not paying the previous fees.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

i sent several letters to this company. XXXX XXXX XXXX XXXXXXXX has Charged Off this account, Therefore this account is considered a certificate of indebtedness. Certificate of Indebtedness is considered INCOME and can not be reported to a credit report. There- shall be removed immediately. To prove my identity, I have included copies of my passport and driver 's license. I've included a copy of the credit report with the same account for which Im requesting information and erroneous information correction. The Privacy Act 1974 - Allows for criminal penalties in limited circumstances. An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is a direct violation.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2019-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/19 I disputed the XXXX XXXX account with Transunion. Transunion stated that the account is valid. I reached out to XXXX XXXX and they were unable to provide me with validation of the debt. If XXXX XXXX could not provide me with the documentation how did they provide it to Transunion? Clearly they didnt. 

I then requested the method of verification from Transunion. That I have not received. 

Transunion is still reporting this account and it have not been validated.
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY ()

Credit card number : XXXX I opened Account in XX/XX/2019. 
A few weeks after I started receiving lots of advertisement through the post some of which had affiliation to American Express. 
On a particular week I have received so many unsolicited letters that mail I was waiting for weeks had been returned to sender due to insufficient space in my letterbox. It took me 3 weeks with a cost of at least {$60.00} in telephone bills to receive this letter. 

Sometime around XXXX XXXX I complained about these excessive advertisement letters. I was promised that these letters will stop. 

Unfortunately this didnt happen as I kept receiving these advert letter in XXXX The one in particular letter that struck me most since the complaint with Amex was a letter from a company advertising prepaid funeral arrangements. Having suffered a particular ill health and consequent complex XXXX I felt very upset and disappointed with the credit card company that allowed these adverts through letter box. My family was very concerned about my XXXX  health as a consequence of my recent XXXX and ongoing upsetting letters and I decided I needed to close the account as it was too much for me. So on XX/XX/XXXX I closed the account. Since the card charged {$250.00} in annual fees I asked for its refund as american express did not act on my instructions to remove me from all marketing correspondence when I opened the account and later when I complained about ongoing unsolicited letters. I therefore demand the company refund the fees associated with the card.
Consumer complaint received 2019-05-29
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)

On XX/XX/19 I disputed the XXXX XXXX account with Equifax. Equifax stated that the account is valid. I reached out to XXXX XXXX and they were unable to provide me with validation of the debt. If XXXX XXXX could not provide me with the documentation how did they provide it to Equifax? Clearly they didnt. 

I then requested the method of verification from Equifax. That I have not received. 

XX/XX/19 I sent another dispute telling Equifax to delete this same account because they are violating the FCRA by reporting a past due balance on a collection. 

Equifax is still reporting this account and it still has a past due balance and have not been validated.
Consumer complaint received 2017-04-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN EXPRESS COMPANY (CT)

I have received numerous collection calls on my home phone from an American Express collector. I called American Express 3 times and requested my number be removed as I do not have an American Express card and informed them they are calling the wrong number. Each time they assured me the number would be removed. About 3 weeks later I received two calls from American Express in which the " Senior Account Manager '' left a message specifically stating the name of the person they are collecting against ( no one related to my phone number ), personal/sensitive information about the debt this individual owes, information that this person has ignored their calls, and threats against this person regarding additional collection steps if their call is not returned. I called back this collector 's direct line today and told him again that it is the wrong number and that they should not be leaving personal information about anyone on an unknown number. He did not apologize and only stated again that the number would be removed. This agent was very rude on his messages and while speaking with me. It is not legal to leave personal information about a person 's debt on a voicemail machine, one that is not even related to that person! I hope that this can be looked into further and addressed promptly to stop it from occurring. Providing personal, private information regarding a person 's debt on an unverified voicemail should never be done. There was not even a warning on the message that this information was from a debt collector or that I should disconnect if not the correct person. That is VERY WRONG. The direct line for this " Senior Account Manager '' is XXXX. He should not be allowed to continue his work in this field. I had always thought American Express was a reputable company until now.
Consumer complaint received 2019-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IL)

On XX/XX/2018, {$2900.00} was transferred ( via EFT ) from an account at XXXX XXXX XXXX to my Citi Mastercard account ( at that time ending in XXXX ; now ending in XXXX ). This money was transferred to me by the owner of the XXXX XXXX XXXX account for two purposes. First, these funds were to be used by me to purchase equipment using my Citi Mastercard. This equipment was to be sent by me to a company address that the XXXX XXXX XXXX account owner would forward to me at a later date. Second, part of this money was compensation to me for consulting services provided to the owner of the XXXX XXXX XXXX account. After receiving the EFT, I purchased two XXXX XXXX, as requested to the owner of the XXXX XXXX XXXX account. All of the details regarding this transaction are documented in several emails between the XXXX XXXX XXXX account owner and me.

These funds were in my Citi Mastercard account for approximately two months. Then, on XX/XX/2018, Citi sent my money back to the XXXX XXXX XXXX account without contacting me first, and, obviously, without getting my approval.

On several occasions ( in writing and on the phone ), I have asked Citi why they sent my money back to this account without contacting me. Citi has never given me an answer to this simple question. By sending my money back to the XXXX XXXX XXXX account, Citi basically helped to facilitate a scam. Or, put another way, if Citi had not just sent my money back to the XXXX XXXX XXXX account, this scam could not have been completed.
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

I had a credit card called Care credit through Synchrony bank my credit limit was {$1500.00}. I had a balance of XXXX dollars and I paid it off this XX/XX/2019 As soon as I paid it off they closed my account stating that my credit to low and some other stuff that was supposed to be on my credit report.If that was the problem why did they allow me to get the card in the first place. I had the card over a year or so.they told me that I would have to go through the whole process again to get try and get the card back.
Consumer complaint received 2019-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TX)

I have 2 collections on my credit report that I would like removed. Requested TO CMRE FINANCIAL SERVICES by certified mail with no RETURN response to send me information as listed in this message. 

CMRE FINANCIAL SERVICES claims my medical bills were not paid. Medical Insurance paid this claim. I am on medicare and have met my deductible with no additional copay needed. 

CMRE FINANCIAL SERVICES claims I own on 2 collection accounts for the sums of {$1300.00} on XX/XX/XXXX and {$590.00} on XX/XX/XXXX totaling {$1900.00}. 

Sent letter to CMRE FINANCIAL SERVICES certified mail demanding information as listed below..

CMRE FINANCIAL SERVICES C/O XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, CA. XXXX ( XXXX XXXX XXXX Re : Acct No. XXXX To Whom It May Concern : I am writing this letter in response to the credit collection and follow up letter received from you on XX/XX/XXXX and phone call made to you on XX/XX/XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation, to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$370.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$710.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$440.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$760.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00}
Consumer complaint received 2019-05-29
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. (CA)

Equifax is reporting incorrectly that I am 30 plus days past due on the XXXX partial account number XXXX. ( Please see pages 18 and 19 of the attached credit report. ) I was not 30 days late on my payment. I called the credit card company on the 28th day when I realized that I forgot to make this payment. I paid the credit card balance off in full on that day when I spoke to the representative. The representative removed the late fee since it was in fact, NOT 30 days late, however Equifax has not removed and/or updated my credit report. This incorrect reporting is harming my credit score. XXXX and XXXX are reporting correctly.
Consumer complaint received 2019-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (NC)

Student loan offset satisfied ; Professional Bureau of Maryland Inc not advising US Dept Education of that fact, therefore freezing my XXXX tax refund. 
Collection Agent : Professional Bureau of Maryland acting for collector for US Department of Education XXXX XXXX Social Security number upon request Cell : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, NC XXXX Good morning, My student loan payments have been made on time. 

The Professional Bureau of Maryland , Inc has - as of XX/XX/XXXX - not advised the US Department of Education that the Treasury Offset repayments have been satisfied All guidelines have been followed ; all necessary paperwork, documents etc. were submitted XX/XX/XXXX. 

As a result, our tax refund has not been released. 

I have exhausted all avenues of remedy. 

Your help rectifying this stressful situation is earnestly sought. 

Thank you, Sincerely XXXX XXXX
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KS)

On XX/XX/2019, I received a new inquiry from the following business on my credit report. I did not authorize a company to do a credit check and I have not applied for any new credit. I am fearful that this is an attempt for someone to steal my identity. The company information is listed below : XXXX XXXX XXXX XXXX XXXX Credit Cards XXXX XXXX XXXX XXXX, NJ XXXX I need this information removed from my credit report
Consumer complaint received 2019-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Attached are documents from XXXX XXXX XXXXXXXX requesting for this account/ hard inquiries, to be permanently deleted from all 3 credit bureaus. There are still Hard Inquiries showing on my credit report for XXXX from XXXX, XXXX and Experian. This account has already been disputed and deleted and also has been advised in a letter from the creditor. 

See attached document below
Consumer complaint received 2017-04-13
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: BMW Financial Services NA, LLC (TX)

I " leased '' a vehicle from BMW XXXX under the owner 's choice option. They told me that I would be able to get out of it if I received XXXX location and they equated it to a lease, but a better option for tax purposes. Now that I have said orders, they are telling me that the SCRA does not apply since the vehicle is not a true lease, but a " blue loan. '' This program is bad for military members in Texas and, I believe, is being used to circumvent the SCRA by trapping military members in a contract that is sold as a lease, but is not a lease. This is a financial burden on my family and is an additional stressor as I prepare to leave my home for a year. BMW XXXX offered to buy back the car, however I would take a {$5000.00} loss. They also offered to take both my, and my wife 's car, in exchange for a new lease, but they would roll negative equity into the lease and I would again take a {$5000.00} loss.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

My US Department of Education accounts  XXXX  and  XXXX  are currently being rehabilitated by   XXXX   and are on an automatic payment schedule. I do n't know why they are being reported as collection accounts seeing as how all of my documents have been forwarded to the Department of Education and they are well aware of the loan rehabilitation, the account status is incorrect.
Consumer complaint received 2017-04-18
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WI)

ONEMAIN  XXXX   XXXX   XXXX   XXXX , TX  XXXX  This address sent me an email stating I was denied a loan. I did not apply for any type of loan. Someone else has used my personal information to apply for a loan. I did not provide my personal information nor did I give permission to use my personal information to  any one. I 'm in the process in repairing my credit. I have a very low credit score and I know myself I can not get a loan any where, so I do not apply for any types of loans until I get my credit score higher.
Consumer complaint received 2017-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

This is an addendum to the complaint already filed on this same subject and is further explained in the attachment.     SPS has responded to the last complaint, and again has allowed  XXXX  to convince them that the force-placed insurance amounts they stole from my account in  XXXX  of  XXXX  and  XXXX  of  XXXX  were valid. My bank statement clearly shows that I had paid this insurance premium in  XXXX  of  XXXX , and  XXXX  had been properly informed of this by my insurance company. However, they still pulled over {$2300.00} from my account in  XXXX  of  XXXX  and again in  XXXX  of  XXXX  and those funds were never placed back in my account.     They also responded that the illegal and unauthorized and unjustified charges totaling {$3800.00} were allowed charges related to bankruptcy and foreclosure. These charges occurred between the dates of  XXXX  of  XXXX  through  XXXX  of  XXXX . THERE WAS NO FORECLOSURE OR BANKRUPTCY IN ANY WAY ASSOCIATED WITH ME OR THIS LOAN AS OF THOSE DATES! Even the default date on this loan was not until  XXXX  or  XXXX  of  XXXX , so I guess we 're supposed to believe that  XXXX  was psychic and went ahead and started assessing charges 4 years prior to my default to apply toward my foreclosure?     But the addendum sent to  SPS  yesterday also includes the fact that, according to the payment records provided by  XXXX  or SPS, the first payment I made to the previous servicer,  XXXX   XXXX   XXXX , was never applied to my account. That is detailed in the attached letter and supported by the attached documentation.
Consumer complaint received 2023-07-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.