davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

Dear Sir/Madam, I have been Citi card members for a long time. I do not agree the way they treated me and perhaps others too. When I called their customer service for lowering my credit limit or closing my account without notifying me - why they are planning to close they arbitrally closed my account for Thank You Preferred Car ending on last 4 digit of XXXX. 
There reason was I did not use for 18 months when I called but I had just used it on XX/XX/XXXX and charged {$670.00} which their statement shows. 
Today XX/XX/XXXX I called them they said it was already closed and they would not reactivate my account anXXXX XXXX XXXX XXXXe I have to reapply- which will cause a credit inquiry and thus lower more my credit score. 
On this card they had without notifying me they had decreased my credit limit from XXXX to XXXX and now closed it. 
They rely on the worst Credit Bureau XXXX  which consistently gives lowest score among all 3 bureaus. I am sure XXXX does that to many more customers data. We all know they had the worst data breach. 
They had lowered also my XXXX XXXX card credit limit from {$5700.00} to XXXX and now {$1300.00} XXXX They also closed my XXXX XXXX XXXX without giving my any advance notice. 
I have always paid my bills on time - yes I do have higher usage of credits but they have been closing or reducing my credit limit which negatively affects my score. 
They are quick to jump on customer and they do not inquire what is going on before - they seem to just rely on numbers.
Consumer complaint received 2022-10-31
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am submitting a complaint to help with the situation im having with two companies one being Experian not deleting a fraudulent account that keeps reporting on my credit report. I have uploaded an FTC report drivers license and phone bill for proof of address.
Consumer complaint received 2017-04-01
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I did n't receive my XXXX charge statement from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And it was n't until XX/XX/XXXX that I received a collection call letting me know I was past due. 

I honestly forgot I had performed a transaction on my card for around {$68.00}. Now on XX/XX/XXXX my balance was increased by XXXX late fees that were assessed to the amount of XXXX and XXXX which is really close to the original transaction amount. I already submitted a payment for {$100.00} to the XXXX charge processing bank but I wanted to get at least XXXX late fee removed as I consider it to be abusive. The collections department stated they could n't do anything.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (NC)

XXXX was my previous complain where i cleared mentioned that my negative payment was reported to credit agency and i never talk about consumer reporting. 

could you please just be specific and clearly send me letter that you have reported all credit beauro to remove late payment mark .. 
in last response you said you did for XXXX only .. so can you please provide me response with all credit reporting agency. 

and also this is my 3rd complain for same thing and i dont get answer just story .. 
please look my previous complain and let me know if you requested to remove from all credit agencies or not?
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

XX/XX/XXXX - Nationstar DPA Mr Cooper - auto drafted our bank account 7 mortgage payments total of {$9900.00} causing our bank account to go in the negative over {$8000.00}. I spoke with customer service at Mr Cooper and they were little help as the rep could not explain what happened. I did also speak with my bank and filed with the bank these were unauthorized payment withdrawals. We are not set up on auto draft from our bank account nor would we ever allow 7 payments at one time to be drafted on our mortgage loan. 
Mr Cooper has since reversed the payments on XX/XX/XXXX. However - we were unable to access our bank account for 3 days due to being in overdraft. 
I am filing complaint to stop this from happening again to myself or someone else. A mortgage company should never be allowed to deduct payments from a bank account not authorized by a consumer. Glitch or no Glitch this is unacceptable
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

We want this taken off our account. The debt is really over. It was in 2016.We had a toilet that flooded in 2016, due to a bad flapper. This had caused the toilet to overflow and water all over the floor. We had been dealing with this toilet for many years. The management would not give us a new toilet, they would just continue to repair, even after asking for them to replace because of the bad flagger. They blame us and want to pay, and I would not because we did nothing wrong. It is time for this to come off. 

Thank you, XXXX XXXX and XXXX XXXX
Consumer complaint received 2021-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (AZ)

I was a victim of identify theft. I had been notified of an account opened in my name. I called XXXX but was unable to close the account as I did not have the account number. Several months later I received a letter from a collection agency on the behalf of XXXX for {$960.00}. I sent in all the information including the police report. This was in XX/XX/2020. In XXXX of this year I received another letter from another collection agency on behalf of XXXX in the amount of {$5900.00}. I again sent in all requested information. Since that time the collection agency has reported this delinquent amount to the credit bureau. I have again sent letter and copies of all correspondence to both XXXX and the collection agency and have heard nothing from either company.
Consumer complaint received 2021-04-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (FL)

Collection company flagged XXXX for an alleged debt amount of {$1100.00} to be placed on my credit without sending me a RIGHT TO DISPUTE LETTER or any information about this alIeged debt.. Iam a victim of identity theft and I did not authorize this alleged account.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CBE Group, Inc. (UT)

CBE Group is reporting a debt on my credit file that I do not owe. I have been disputing this account with them because I had applied for medical hardship and was approved and I paid off the remaining that was left after hardship. CBE continues to report an account with a balance of over {$800.00}. This is false as this account has been settled. I ask that CBE remove this account form my credit file. It is not owed, I settled this with the hospital and it must be removed.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (TX)

I sent a XXXX payment on XX/XX/23 through my bank ( PNC ). PNC notified me that the payment failed and the recipient did not receive the funds. The notice stated it would take 3 days to receive my money back. 3 days later I called and was told 6 days. I waited 10 days and called back and customer service put in a dispute. The dispute was denied. I contacted the person I sent to the money to and she checked with her bank and there is no transaction history of the failed payment. I opened another dispute through PNC and have escalated to a supervisor. I have spent XXXX hours on the phone and have called PNC and XXXX for help and nobody has been able to get my money back. It has been 2 weeks since the payment failed and I am still out {$400.00}.
Consumer complaint received 2017-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

I have an escrow account with my mortgage company for insurance and taxes. They did not pay my taxes for 2016 until after I was served by a constable in XXXX and called them. They paid all interest and penalties incurred from my escrow money although it was not my error. Now the county taxes are suing me for court costs for this incident for which I was not responsible. My mortgage needs to reimburse all penalties and interest as well as pay the court cost for their error.
Consumer complaint received 2022-10-31
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. (NY)

Going through all of this has been a struggle, therefore I am making this CFPB complaint to ask the credit reporting agencies to totally remove the fraudulent accounts and information from my credit file. How many times must I inform the credit reporting agencies that I was a victim of identity theft and that the accounts I am disputing were created as a consequence of this crime? In order to fix my credit file, I have been requesting that the credit bureaus delete any disputed items and provide me copies of any verifications that the disputed goods are, in fact, mine. The Credit Bureaus, however, have let me down and have not sent me copies of the information I have requested from them. Additionally, I have been submitting letters of disagreement to the credit bureaus, along with entire identification proof papers and an Identity Theft Report I obtained from the FTC. This CFPB complaint is a follow-up to the one I previously filed with the bureau, and I'm asking the credit reporting agencies to take down the disputed entries before I have to resort to legal action. Please fully delete the following entries from my credit file : XXXX XXXX XXXX Date XXXX Original Balance {$2900.00} XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Original Balance {$1300.00}
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigated them and delete them from my credit report. I also filed identity-theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2021-04-27
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: Professional Credit Management, Inc (AR)

I reviewed a copy of my credit report and I saw that there were collection items, and charge off items listed that I wasn't aware of. I attempted to contact the companies and request verification and received nothing back. I understand that this is a violation of FDCPA and need to have accounts deleted. I also tried speaking with the CEO of XXXX about late payments that were reported on my account, which is also unverifiable, which is again, a violation of FDCPA, and need all late payments removed.
Consumer complaint received 2021-04-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I reviewed a copy of my credit report and I saw that there were collection items, and charge off items listed that I wasn't aware of. I attempted to contact the companies and request verification and received nothing back. I understand that this is a violation of FDCPA and need to have accounts deleted. I also tried speaking with the CEO of XXXX about late payments that were reported on my account, which is also unverifiable, which is again, a violation of FDCPA, and need all late payments removed.
Consumer complaint received 2015-03-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (NV)

I received a phone call today from XXXX. The man on the phone said that they were preparing a suit against me out of Illinois for a credit card that I supposedly refused to pay. I immediately told him I did n't have any cards that were not current. The man on the phone said that this was a credit card that was opened in XXXX and then said the company reported to them that it was open until XXXX with no issues. I told him I did not have that card and I did n't have a card in XXXX that was open until XXXX and I asked him to reiterate that he was planning to file a suit to collect. He said they were preparing the suit and I again told him I did not have that card. He asked me to confirm my name again and what my maiden name was. I have been married for XXXX years. I have n't had any credit cards in my married name that I do not still have. 
He asked me about a mailing address that I had over XXXX years ago and I again told him, I did n't have that card and certainly did n't have XXXX that was open in XXXX. He then said that the card was open until XXXX and changed the year he claimed it was open until. 
So he said that he would go ahead and put down that it was indeed a refusal to pay. I angrily told him that I was saying that it was not a refusal to pay but that this card was not mine. I did not have any cards that were open in XXXX. He said " That 's okay, we already have you recorded ''. I told him I was going to report him and he said to " Go ahead and report me ''. 
This company, whose name he said was XXXX, was stating they planned to sue for a card I did n't have and using fear tactics that I know are illegal. The man on the phone refused to give me his name but he had a deep voice.
Consumer complaint received 2022-10-31
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. (DC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2021-04-27
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

My complaint is GENERAL ... please do not involve my bank, but publish. 

I think it's time to make all mortgage companies SELF-INSURE their investments. Mortgagees S/N have to annually seek ( and hopefully get ) policies, and then prove coverage. It is aggravating and a real burden, personally and financially. Here in Florida, it now costs in excess of $ XXXX/year to insure a 1-bed condo for a {$60000.00} loan ; insurers are leaving the state, and policies issued have poor coverage for the cost. The amount of paperwork between bank/homeowner/agent, each year, is itself outrageous. 

It is time for national reform. If lenders want to eliminate virtually all risk, make THEM pay!
Consumer complaint received 2022-10-31
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: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I had my annual health/physical check up with The XXXX XXXX XXXX XXXX in 2019. 
All annual health/physical check ups are free with my employers private health insurance. 
I received a bill for blood work. 
I submitted a letter to the hospital asking them to bill the insurance company as they had done in the past as that's part of the annual health/physical check up. 
Instead, they began charging fees and interest and sent the bill to collections to M & M Credit. 
The are reporting this to the credit bureaus and are damaging my credit reports and score because of their own bad administrative practices.
Consumer complaint received 2016-03-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDICO. INC (SD)

My wife had XXXX a while back, insurance approved it so she had the XXXX, then thay denied it. She did finally get the insurance company to pay the bill. Now the collection agency is wanting us to pay {$5000.00} in interest for the XXXX! This is not right, why should we be responsible for interest when then isurance company agreed to pay for it. The collector is credit collections bureau, and we already paid {$9000.00} in a garnishment previously to getting the insurance company to pay!
Consumer complaint received 2023-06-29
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. (GA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2021-04-28
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. (MD)

I have contacted Equifax by Mail for the months of XX/XX/2021, XX/XX/2021 and XX/XX/2021 about XXXX XXXX account with a balance of {$64.00}. This balance is reporting incorrectly and Equifax continues to verify this as accurate.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Creditrepair.com, Inc. (FL)

Credit.con is doing something sneaky with my account. They wo n't let me access my credit score and when I tried to delete my account with them they tell me I 'm suspended! They must be up to no good and I ca n't do anything about it.