davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (NV)

The Medical Revenue Service failed to provide the notice required under 1006.34 for the validation of debts. Specifically, they did not provide the following validation information as required by the regulation : 1. Debt collector communication disclosure : The statement required by 1006.18 ( e ).

2. Information about consumer protections : - The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer notifies the debt collector in writing on or before that date that the debt, or any portion of the debt, is disputed, the debt collector must cease collection of the debt, or the disputed portion of the debt, until the debt collector sends the consumer either verification of the debt or a copy of a judgment.

3. Consumer-response information, which includes the following : - Dispute prompts : Statements that allow the consumer to dispute the debt for various reasons, including " This is not my debt, '' " The amount is wrong, '' and " Other ( please describe on reverse or attach additional information ). '' - Original-creditor information prompt : The statement, " I want you to send me the name and address of the original creditor. '' - Mailing addresses : Mailing addresses for both the consumer and the debt collector, as disclosed pursuant to 1006.34 ( c ) ( 2 ) ( i ) and ( ii ). 

The failure to provide this information is a violation of the regulation, and the Medical Revenue Service is obligated to provide this notice to ensure compliance with debt collection rules.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (WA)

Ordered item from XXXX used affirm to make purchase. Payed initial payment in order to activate affirm line of credit for item. Item never arrived, reached out to XXXX they said they'd look into it. I had life changes, I moved, I forgot about never receiving refund for the payment I did make until affirm showed on my credit report as delinquent account. Reached out to XXXX again asking why it wasn't closed also reached out to affirm same reason. Affirm didn't respond. XXXX responded saying the item has been lost and they are refunding total amount and affirm should refund in a few days. This account should be closed since I did make initial payment, item was lost in mail, and I was refunded and case closed. Have disputed 3 times from credit report and affirm continues to say information is accurate. I don't have any open accounts with affirm currently.
Consumer complaint received 2019-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (DE)

I have a Citibank MasterCard. I made a payment on XXXX of {$9300.00}. As of that date my balance was {$9200.00} so I overpaid. I received my statement this month and I will still charged {$99.00}. The explanation given to me by Citibank made no sense why I was charged interest. Based on their rational the statement was incorrect than because even though it said what my full balance was, paying that doesn't matter, I still was going to get charged interest which makes no sense.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Hello, In my report wrote not right my address, where I never living. 
In my report request from, - XXXX XXXX, XXXX XXXX, consumer portfolios XXXX, XXXX, XXXX XXXX XXXX, what I never do, part of them do my husband, part of them all ready paid full by my husband, but system add all this to my report and additionaly wrote request done but never finance or paid, really for example XXXX XXXX paid full one years ago. 
I never do any cars finance, all this for me do my husband, but when he right complain about not correct credit report this system transfer his request to me, and wrote it is never paid. 
I do request XXXX XXXX medical group three time from XXXX, please explain reason this bill and send it to me.I do not see this till now, but they add in my report two collection account. 
Please let me know what it is, -illegal business, discrimination XXXX people, infridgement personal freedom because someone need improve self credit report?
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I was just checking my credit report because Im working on fixing my credit since Im planning on buying a new home. Then I see the Genesis debt and I tought it was hospital bills and I remember I saw this genesis debt always sending me emails but, I ignored them since I know now the scammers do anything. Then since I saw it on my credit report I called them to know whats going on and they told me it is from the XXXX XXXX and I dont even know where that is and the guy told me that I lived there and owe them 2 months and I was XXXX off because how can I lived somewhere I dont even know? And he told me I can dispute it if I believe its a false information then I said yes I would love to. And thank you in advance, I would like to dispute this false information. I have never lived there.
Consumer complaint received 2020-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (IN)

On XX/XX/20 at XXXX p.m. I was called by someone asking for a XXXX XXXX. I told them that this was not that parties number. The person advised me the call was being recorded. She said she would not remove my number unless I confirmed or denied if I was XXXX XXXX. I asked if they were a debt collector and they would not tell me. I have never co-signed or otherwise had any debt with a XXXX XXXX. The fact she refused to remove my number is illegal in it's own right. So at XXXX I called back and spoke with a XXXX. I asked him who he worked for and he said Unifin. Unifin is a debt collector and this is another clear violation. They were using a spoofed number of XXXX, however once he gave me the name of his company I figured the rest out. I did record the call as well, but can't attach it for some reason.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I AM A VICTIM OF ID THEFT. A BANKRUPTCY IS REPORTING ON MY FILE AS A RESULT OF THE ID THEFT. XXXX XXXX AND EXPERIAN ARE REPORTING IT. XXXX XXXX TOLD ME JUST TO SEND THEM THE POLICE  REPORT AND THEY WOULD TAKE CARE OF IT. I DID SO AND NOW THEY ARE SAYING UP TO 90 DATS. EVEN THOUGH THE 45 DAY TIMEFRAME HAS EXPIRED. EXPERIAN WERE SUPPOSE TO PROVIDE THEM WITH THE POLICE REPORT.
Consumer complaint received 2020-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NY)

Hello, I am reaching out regarding misinformation i received from a chase bank telephone customer service representative that caused my account to go into a charge off status which essentially ruined my life due to the negative impact on my credit. I called telephone customer service on XX/XX/2016 because I was looking to pay off my credit card balance in full. The credit card statement had a balance of {$990.00} with a due date of XX/XX/2016. This balance included a Late Fee of {$39.00} and Interest Charge of {$12.00}. I requested for the fee and interest to be refunded. The representative agreed to do so as a one time courtesy adjustment since it was the first ever fees charged to my credit card. I told the representative that I would like to pay my card to a XXXX  balance and did not want to over pay and be left with a credit owed. I was instructed by the representative to minus the late fee and interest charge from the statement balance amount and pay that amount because after the fees are credited then the account would balance itself to a XXXX  balance. 

I paid the amount of {$940.00} on XX/XX/2016. I found out after some time that the fees refund adjustments were never credited. Which caused my account to have a balance left over of the late fee and interest charge that were not refunded as promised. And for multiple months late fees and interest fees were accumulating on my account by being charged fees and interest on top of fees and interest. Ultimately my account was charged off with a balance of {$200.00}. This charge off amount completely consists of bank fees. 

I am disputing this amount due to chase bank clerical error. I previously disputed this with the credit bureau but my dispute was denied. I am writing this so you can understand my situation in detail. I request that you properly investigate and correct this. Thank You.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have contacted all credit bureaus in regards to identity theft that was done by dad. I had been trying to get this removed for the past 5 years and have had no luck until recently after contacting a law firm. 
I contacted Transunion on XX/XX/2020 in which they signed for the receipt of my package. 
I included everything I have attached here to which they said the information I submitted was declined and the fraudulent accounts would remain on my credit file. They returned this letter to me XX/XX/2020. 
All of the fraudulent accounts are listed on my FTC identity theft report which is attached. 

Tracking number for my correspondance to them is : XXXX
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WA)

Summary of Issue : Citi Credit Cards is taking double payments by not showing current payments scheduled for the credit card. This happened once earlier this year. The resolution was to call my bank and dispute a payment. Now it has happened again and I can not even get in contact with someone at Citi. I believe that their XXXX app is purposely designed to be deceiving after this has happened to me multiple times. I would like other consumers to know of this tactic by this company as they do not want to resolve this issue. 

This happened on XX/XX/2020 {$3500.00} Payment 1 {$3400.00} Payment 2 - had to cancel via my bank XX/XX/2020 {$2400.00} Payment 1 {$2300.00} Payment 2
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (PA)

my us bank reliacard provided by pua pa unemployment worked from XXXX til XX/XX/2020 they then froze my card without any notice when i finally got thru to them after days and hours on hold they said i needed to fax my ID and updated address which i did its been 2 weeks my account still frozen wont transfer my funds and pua pa says i have no outstanding claims
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

On XX/XX/2020, we paid cash for a home to be our primary residence. The cash came out of an investment account. I applied the same day to Quicken Loans/Rocket Mortgage to obtain a regular, 1st mortgage, so that we could replenish our investment account. I clearly stated my intention to do some work to the house, which included needing to fumigate the home for termites, plus other remodeling and improvements. The loan consultant insisted that we could apply for a primary residence loan, as our existing home was up for sale, and will actually sell and close escrow in a few weeks. 

The appraiser came out to the house and I met them there. I explained that we were doing remodeling before moving in. Today, Quicken Loans/Rocket Mortgage stated that we were not eligible for a regular first mortgage, despite my providing the loan consultant all pertinent information at the time and subsequently. I believe the deposit we paid was fraudulently obtained, as they did not give me the information that a regular first mortgage would not be available to me. I was informed of that today, XX/XX/XXXX. I had provided them with all requested insurance, financial, ownership and title information prior to this.
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CO)

In a personal audit we found evidence that Citi Cards was charging us interest on a balance transfer that was already paid off. We have combed through years of statements and found many months where the balance transfer offer keeps reappearing on our statement with interest charges even after the card was paid in full several times. We contacted Citi Cards on XX/XX/XXXX and spoke with several people who couldn't understand the problem and finally spoke with a supervisor who said they would start an internal audit and return our call on Monday XX/XX/XXXX. He called on that day and said that they were still working on the issue and they would call within 2 days. We called again XX/XX/XXXX and they said our supervisor was out and would call XX/XX/XXXX. He did not return our call. We called again XX/XX/XXXX and they said they could not see that anyone was doing an audit and our account was locked so only they supervisor we talked to can work it. We requested a return call again. We are beyond frustrated and looking back this is a pretty substantial sum of money. No one can explain why we are being charged interest on a balance transfer that was paid off. I have attached two statements below. XX/XX/XXXX I have highlighted that the balance transfer offer 10 shows a XXXX  balance and then in XX/XX/XXXX, it is back on the card with a balance and interest charges. We believe this occurred with two seperate balance transfers over the last 3 years. There are many more examples.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Consumer complaint received 2023-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

Dear CFPB, I am writing to file a complaint regarding a debt collection activity that I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I received an itemized list of alleged charges from CBE Group, which claims I owe them money. However, this does not meet the Federal Trade Commission 's guidelines for proper debt validation under the FDCPA. I dispute the validity of this debt and demand strict proof and verification of the same, in accordance with 15 U.S.C. 1692g ( b ). I have requested debt validation in writing, and the collection agency should have ceased its collection efforts immediately upon receiving my request. Despite this, the collection agency proceeded to obtain a default judgment against me on the debt collection claim without first providing verification of the debt, in violation of 15 U.S.C. 1692g ( b ). I am aware that the collection agency is reporting this collection on my credit report, which constitutes a collection activity. This is in violation of the FDCPA, and I am entitled to collect damages of up to {$1000.00}, plus actual damages and attorney 's fees, if I file a claim in small claims court. These collections on my credit report are causing me severe problems and are preventing me from obtaining a home loan, with the potential for damages to reach into the thousands of dollars. Furthermore, I believe that the reporting of this invalidated information to major credit bureaus may also constitute defamation of character. The Fair Credit Reporting Act ( FCRA ) does not allow for the inaccurate reporting of information on my credit report. If the collection agency does not immediately remove this account from my credit report, it is subject to another {$1000.00} fine, plus punitive damages. Your company may also be in violation of the FCRA if it does not comply with this request. I look forward to hearing from you within 15 days regarding this matter. If I do not receive a response, I intend to pursue legal action. Thank you for your prompt attention to this matter. Sincerely,
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-09-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Using certified mail, I wrote in a request to investigation into items that are being reporting on my credit file I believed were obsolete. The company has failed and yet to forward me sufficient documents pertaining to my those item. 

The action that has been taken has been done. Other than keep sending me computer generated responses/results of " still pending '' This has been an ongoing battle with these companies for well of 3 months.
Consumer complaint received 2020-09-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 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 on my credit report it has been over 60 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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 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 on my credit report it has been over 60 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/2020, I used a Citi credit card to pay {$330.00} for the HOA title inquiry fee. After some time, I eventually begin to forget about this payment. And afterwards initiated a dispute over the transaction. Then my proxy alerted me that this transaction has been canceled, it was then I realized that the transaction is normal. My proxy told me that the transaction failed, and I need to pay again. When I checked the banks serial, I saw that the transaction was indeed cancel. So, I re-paid the transaction with my XXXXXXXX XXXX  credit card, as well as provided evidence to support my dispute. What I didnt expect was that two weeks later, Citi bank replied to me saying that I still need to pay this incurring amount. 
It was strange, first, my HOA did not receive this fee, otherwise they will not notify me that the transaction was not successful. Second, I provided evidence that proofs my dispute. Why does Citi bank still asking me to pay the fee after that?