davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Valarity, LLC (OK)

XXXX XX/XX/XXXX XXXX XXXX, XXXX As a 100 % rated XXXX veteran I qualify for XXXX medical care at a non-VA facility under CFR 38 1752. XXXX Care coordinator XXXX XXXX contacted the XXXX XXXX VA medical center and received both verbal and written authorization for my care as a VA patient and not a private citizen. Such authorization automatically denotes the VA medical center as the billing entity, not the patient. 

Since XX/XX/XXXX I have repeatedly written both the VA and the multiple agencies of the XXXX XXXX XXXX in an attempt to insure that the costs of this hospitalization is paid. To date, I continue to receive collection notices, to which I immediately respond. 

Today ( XX/XX/XXXX XXXX I was denied credit because a collection agency XXXX had reported to XXXX Credit Bureau XXXX XXXX XXXX items of collection. This agency is unknown to me and in no manner have ever communicated with me, either in writing or by tele-communications. I was never afforded the opportunity to dispute the items they purchased for collection which I deem to be in direct violation of FDCRA and malicious in nature.
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (CA)

I had a Brooks Brothers credit card through XXXX account # XXXX. In 2016 Brooks Brothers changed banks to Citibank. Citibank then changed my account number to XXXX without my knowledge. I continues making payments under the old account number to XXXX. XXXX forward my payment to Citibank. but Citibank has refused to give me credit for the payments made. I have provided Citibank with multiply proof of payments but Citibank claims that the documentation is not adequate. The documentation provide came directly from XXXX with photo copies of the front and back of the cancelled check which was endorsed by Citibank. Citibank appears to be incompetent and continue to harass me threatening to make false reports to credit agencies in a effort to force me to double play. Please help
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION (WA)

On XX/XX/2023, Industrial and Commercial Bank of China ( USA ) , National Association closed my XXXX XXXX XXXX XXXX Card without any notice. I am not able to log into my account or use my credit card any more.
Consumer complaint received 2016-09-19
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Investment Retrievers, Inc. (AL)

In XXXX 2011, I was involved in a car accident. The car was financed by XXXX. During that time, I never received any documents that the car was being sold for scrap. The car debt was sold to a collection agency. it is now with a new collection agency and the agency is threatening to sue. However, I have informed the agency that I did not receive any information from XXXX about the debt or car being sold. The agency has also refused payments. 
Recently, the debt was removed from my credit report and added back on multiple times. I have provided proof of this.
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I paid off my credit card in XXXX of this year, at which time my balance online was {$0.00}. I then received a new card in the mail a few months later. When I activated the card, I was told I had an overdue balance. Apparently, when I paid the card off, the billing cycle had not closed and {$16.00} of interest hit the account. I was never notified that the balance was overdue. When I called to complain and resolve this issue, I was told all customers who are overdue receive courtesy calls. When I asked the agent to give me the date and time of said call, he said placed me on hold to look it up and found a call was never placed. I have had numerous agents tell me I have a " good case '' in getting the delinquencies removed, yet it was denied at least 3 times. The interest amount that caused me to be reported as delinquent to all XXXX credit bureaus has since been refunded to me, yet the bank will not correct my payment history to remove the one late payment this interest caused. I have been told I was notified by email, but I do not have said emails from XXXX XXXX XXXX. I told the agent it may be due to the recent XXXX government hack, as I just received a letter confirming that all of my information was stolen in early summer. Soon after trying to fight the discrepancy, I received a letter from XXXX XXXX XXXX that they had dropped my credit line from {$3500.00} to {$500.00}, further damaging my credit as now it looks like my credit usage is much worse due to the lower limit. The letter cited " recent delinquencies '' and " insufficient credit history '' as the reason they dropped the limit on my card. I have been a customer with them on this line of credit for almost 10 years and I have NEVER been late before. My credit limit has been {$3500.00} for almost 5-8 years now, based on much weaker credit and income that I held 5-8 years ago. I feel that they are trying to irritate me into closing my account because it has a very low grandfathered interest rate from when it was opened. My credit score has dropped significantly since all of this and I have lost countless hours on hold with XXXX XXXX XXXX trying to get the issue resolved.
Consumer complaint received 2016-09-03
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NJ)

I missed my XX/XX/XXXX payment for my Macy 's credit card which was due XXXX XXXX.. Macy 's had been calling me repeatedly since then at least 5 times a day. I 'm always punctual with my payments. I miss one and they start harassing me everyday. I do n't think they is a need to call me repeatedly everyday
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IN)

I have a student loan that went into default, I repaid it through the XXXX program. I am current and have been current since 2012 with the new servicer my loan was sold or transferred to. The original creditor was XXXX the new creditor is XXXX XXXX XXXX. My credit report reflect erroneous duplicate information that they refused to properly investigate and remove. I am requesting assistance for this information to be removed and for my claim to be taken seriously, it has affected my ability obtain credit and loans due to the lowering of my fico score and this inaccurate information.
Consumer complaint received 2016-01-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

XXXX XXXX, XXXX Dear Sir or Madam : I would like to request a credit for interest charge of {$300.00} related to a transaction from XXXX/XXXX/XXXX a purchase of a television from Best Buy for {$700.00}. The terms of the line of credit was 24 monts no interest as long as the {$700.00} was paid in full by XXXX/XXXX/XXXX. By my records I made the necessary payments in order to pay for the television in full by XXXX XXXX, however when I saw my XXXX statement I saw the television had a remaining balance of {$18.00}. I had a perfect payment history because I always came into the store on or before the due date to make my payment. I was n't going to be back in town before my XXXX XXXX due date so I made that payment online. Unfortunately I was informed via email in XXXX that my payment did n't go through. At that time I also discovered that {$300.00} of interest had also been applied to my account. I informed the representative that I made the payment online he informed me that occasionally customers have issues with online transactions apologized credited the late charge and I made my payment. When I asked could he credit the interest charge he informed it was past the required time when I could request a credit. This troubled me because as soon as I received an email notification that my account was delinquent I made a effort to correct it, in fact I used my card after I attempted to make the online payment in the store an no one even informed me my payment was never received. Once again I would like to request a credit of the {$300.00} I consider my self a loyal customer of Citi and Best Buy anything that can be done would be greatly appreciated. Thanks in advance.
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (WA)

They are showing a collection account as unpaid with a {$630.00} balance and are telling me they have contacted the original creditor along with the collection agency and verified it. I have contacted original credit and the collection agency and they both have that the account was paid in full with a {$0.00} balance. Equifax will not correct my credit report
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit report agency is reporting inaccurate information on my credit report all XXXX bureaus.. ( ..trans union, XXXX, XXXX ) passed the statue of limitations in the state of california ... .some of the items being report are 14years old why????? statue of limitations is 7 years .... theses items has been laying dormant on my reports for 14 years really..please remove immedately and send me an updated copy reflecting the changes ... thanks in advance
Consumer complaint received 2016-05-19
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CITIBANK, N.A. (NY)

Was told I would have to appear in court with no date specified also the agent and I quote " good luck in court '' and then hung up ... At the age of XXXX I did not have a credit card with a XXXX credit limit which I tried to explain to him and at that point is when he hung up on me
Consumer complaint received 2016-03-17
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (CT)

Sears Credit Card has changed the way to access online statements. You now need to have an active credit card to create an account. They closed my account two years ago when I was unemployed, even though I paid them on time every month. Now I can not access my balance or schedule payments because I can not access my account online. I have to wait for them to send me a monthly statement in the mail ( and they do n't even provide a mailing envelope anymore! ). I feel this is an underhanded attempt to get people to mail in payments late so that they can collect more late fees off account holders who no longer shop with their credit cards.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I recently disputed the accounts with both XXXX credit and XXXX billing due to the companies reporting on my credit XXXX. TransUnion, did not provide me with the dispute information that was returned by the creditors after the 30 days timeframe. After the allotted 30days to report info from these companies, TransUnion still allowed them to updated information to my credit. The beginning balances and account numbers are the same on each account, this is considered duplicate reporting. These companies have also, failed to provided my with documentation stating where the balance is coming from. This company has also, reported information multiple time within a month.
Consumer complaint received 2024-11-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation (SC)

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

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

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

Notification to Other Collectors : I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2016-11-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (GA)

Please view case # XXXX from the CFPB database and you will see I have attempted to get this debt " validated '' and not " verified ''. However, NO supporting documents have been provided. Also, I have attached supporting letters to mailed to the Equifax on XX/XX/2016. Please provide supporting documents for this debt or delete off my credit profile. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was convicted of XXXX in XXXX in XXXX XXXXXXXX and was in a collections status on XXXX XXXX. The collections company and the XXXX XXXX Court did not have the correct address for me on a collections notice for the XXXX fines dated XXXX XXXX, XXXX. My address at that time was at XXXX XXXX XXXX XXXX, XXXX, XXXX and the address the collections company sent the attached collections notice to was an old address of XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX. I actually received the collections notice XXXX XXXX, XXXX and paid the {$2400.00} on XXXX XXXX, XXXX within 30 days. I had provided the court the proper address before XXXX XXXX, XXXX but they sent it to the wrong address anyway, resulting in the almost 3 month time delay as a result of their mistake. Because I paid the outstanding balance within a reasonable period of time, 30 days, I feel that the court caused the late collections activity because of their incorrect address error. I contacted the court and they even admit that they made a mistake and had the correct address on XXXX XXXX, XXXX but are refusing to remove the Collections Account marker on the Trans Union report. They originally showed the collections account not being paid in XXXX XXXX but then revised it after it was paid. However I maintain that the collections account would have been paid several months sooner had the collections agency and court had my correct address. 

Additionally, the fines were not assessed until I was convicted, which was not on XXXX/XXXX/XXXX as indicated in the Trans Union report, but rather on XXXX XXXX, XXXX, which is the date shown on my XXXX conviction papers. Therefore the item should be removed since it is inaccurate as well.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the XXXX account on my credit report. This account do not belong to me. I have asked XXXX to send me information with regards to this account and I have not received any response back from them. This is because they do not have any documents with regards to this account. I would like Transunion to remove this account from my credit file.
Consumer complaint received 2016-05-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NC)

Auto financing with Santander Consumer USA is a setup for failure among Consumer 's who are less fortunate which includes Low Income, Race, Age, and those receiving Public Assistance when I applied for an Auto Loan XXXX could have had my loan funded by other Finance Companies. 
But Santander Consumer USA inflates there loans to the point it benefits them and the Dealerships who use them, both benefit at which time the Consumer 's are the big losers. 
They Bait the Consumer 's like myself with interest rates and other fees along with monthly payment amount so high that you will fail. 

I was ask if I receive public assistance which I did at the time of my loan. I feel strongly this is just one reason I received an interest rate of 28 % and a monthly payment amount of {$470.00} also I was ask why do I receive XXXX, this and my age was another reason I received an unfavorable loan interest and payment. 
I was told that GAP Insurance was added to my loan only now I am told that GAP is n't included in the loan, which means that if the vehicle is totaled Santander will come after me for any remaining amount owed. 
The extra fees and add On 's benefit Santander and the Dealerships. There are so many violations under the Truth and Lending Act on my loan. 
I was also told by Santander that they deferred one of my payment to the end of my loan, but instead they lied, I found out that they are still charging me late fees and other fees saying I am late, they are also reporting me to all of the credit bureaus as been late. which I was denied a loan because of the negative information been reported, Also my payoff should be {$17000.00} instead Santander Consumer USA told me my payoff is {$20000.00}. The loan when taken out over a year ago was for {$18000.00}. 
It 's unbelievable that Santander Consumer has so many complaints against them when I searched XXXX, I would hope that CFPB will do something about this Business. 
I feel that my age, XXXX, income, and Public Assistance has everything to do with my higher interest rate, payments and other fees, extras. 
They set me and other Consumers up for failure, get as many payments out of us as they can and than repo of vehicle. 
I also notice several lawsuits against them for similar issues.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

It 's not that there is incorrect information on my report, it 's that there is very important information that is missing and should be included on my report. I sent all XXXX reporting agencies complete copies of my XXXX XXXX home mortgages and also an equity loan on the XXXX house, all paid off. I was told by them that they will not accept documents of proof from me and that they only will put on a report what the mortgage companies themselves send to them to report. I can not have these past mortgage companies report to them my good credit with these loans, because the mortgage companies no longer exist. So I 'm asking if somehow this can be rectified because as a consumer I have every right to have all my good credit history absolutely on my report and right now it is not on there. It is not fair that my credit is judged without these items on there, so I 'm hoping that somehow this can be solved.
Consumer complaint received 2015-10-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MI)

I had a best buy card, on this card the XXXX XXXX was charging for services I asked to have removed, which they failed to remove and continued to charge the best buy card. Regardless, the charges they were requesting amounted to roughly XXXX dollars. Citibank, their credit card company, charged me XXXX in late fees XXXX during my dispute with the company, which amounted well above their initial charges. I was informed this was illegal. To get this matter resolved, I agreed to pay the past due amount which was {$52.00}???? They have since closed the card, but are still requesting I pay an additional late fee they charged the account after I paid. I sent a letter, and on the statement and check, it indicated if cashed the account was to be closed and paid in full. They closed the account but are still requesting I pay their fee. This company is corrupt, and if in fact what they are doing is illegal should be stopped.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (SC)

XXXX dispute XXXX filled XXXX/XXXX/XXXXXXXX dispute number XXXX filled XXXX/XXXX/XXXXEach time I dispute or ask of an investigation for items filled incorrectly on my credit report, i receive a results stating the items will remain and to contact the creditor. I also informed the reporting agency, each call to the creditor results in the creditor stating i should file a dispute with the agency. 

I also attached certified letters and responses from each company I disputed to no avail, some company not either responding, cooperating, or responding in the appropriate amount of time.
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

This company has XXXX reports on my credit for internet loans of which I have no knowledge from another company. I have disputed more than once and they will not change nor provide any signed contract. I have been working on my credit and this I the main thing holding me back and I do n't now what to do next to take care of it. 



XXXX XXXX TX XXXX XXXX, XXXX Closed {$1200.00} Account Details Last Reported XXXX XXXX, XXXX XXXX Original Creditor XXXX XXXX XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX {$1200.00} High Balance {$1200.00} Remarks XXXX Result : XXXX 
Dispute Reason XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX COM XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX. 
Balance {$0.00} XXXX XXXX {$650.00} Remarks XXXX See something wrong? 
You could dispute an error with Equifax. 
Manage Your Collections Accounts
Consumer complaint received 2015-10-01
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (TX)

My home mortgage is with CitiMortgage, I 've submitted financials andrequest for mortgage modification several times. My home has a property foreclosure sale date for XXXX XXXX, 2015. I am a XXXX Veteran I have served my countryfaithfully and I am disappointed with the way I 'm being treated regardingassistance to keep my home. I want to keep my property. PLEASEPLEASE PLEASE help me