davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (KY)

GLA placed a collection of {$130.00} which is not owed on 3 of my credit files. XXXX, XXXX, and XXXX.This debt collection should have never been filled against me. Debt was paid directly to XXXX XXXX by insurance and I paid the remaining balance. I did not receive any information about this prior to going into collection by mail or phone call. I discover it by a credit app notification. XXXX XXXX. I should have been able to dispute this debt before they place it in collection. No letter from them. No letter to verify I owed the debt
Consumer complaint received 2022-11-23
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. (DC)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act USDOE/XXXX  XXXX, XXXX XXXX XXXX XXXX, and DP OF EDUC XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (DC)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act USDOE/XXXX  XXXX, XXXX XXXX XXXX XXXX, and DP OF EDUC XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

I use XXXX XXXX 's bill payment service. All payments are paid as scheduled except for my Citibank Visa. On a few occasions, according to Citi, my payment has arrived a few days late ; even though XXXX XXXX 's records indicate the payment was sent as scheduled and should have actually arrived a few days early! Citi has credited my " late '' payment once ; but now refused to do so and has no explanation why a check is required ( from XXXX XXXX ) instead of electronic payment or any proof that the mailed payment was received late. The most recent occurrence was for payment due on XX/XX/XXXX. XXXX XXXX indicated the payment was delivered on XX/XX/XXXX and Citi claimed it was received XX/XX/XXXX. I was charged ~ {$30.00} for late fee and interest on a {$60.00} balance ( 50 % penalty )! 

I suspect Citi is requiring checks knowing that it provides more opportunity for delays and for them to charge late fees, as well as harder for customer to prove delivery time.
Consumer complaint received 2023-01-11
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please have these accounts corrected for once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, and XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I paid off my XXXX XXXX  auto loan in XX/XX/XXXX. 
This event caused my Equifax FICO score to go down XXXX XXXX. My XXXX  FICO score to go down XXXX XXXX. My XXXX FICO score to go down XXXX XXXX. 
How long will Fair Issac Company be allowed sell a product that is unexplained, unbelievable, contrary to common sense, and damaging to ALL Americans. 
Equifax, XXXX, and XXXX are all partners in this fraud. 
Please use your authority to fix this XXXX on the country.
Consumer complaint received 2024-04-15
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (PR)

On XX/XX/2024 National Credit System Inc contact via email to negotiate an alleged debt with them. I replied the email, contact them via phone and sent a certified letter with receipt to sender with a XXXX XXXX XXXX. They received the letter XX/XX/2024 and after 30 days ( XX/XX/2024 ) the letter was not responded. All evidence can be provided as request.
Consumer complaint received 2024-04-15
Product: Credit 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: CLGF Holdco 1, LLC (CA)

XXXX XXXX XXXX sold my account with a balance which was previously paid off on XX/XX/2023 to Concora Credit. I have called both companies several times, XXXX XXXX XXXX no longer answers calls and Concora has failed to resolve the issue after numerous calls with payment information which proves paid in full. Am going to sue for damages this is making me stress out. I need help to resolve.
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I reread my previous Wells Fargo Claim in Class Action Settlement and it stated I withdrew my complaints. This is totally false due adverse actions to my credit scores to include my conventional home mortgage loan with Wells Fargo to purchase a home in XXXX XXXX De XXXX. Wells Fargo XXXX XXXX approved my home loan at a interest rate of 8.75 percent and my XXXX  XXXX XXXX accompanied me to closing due to my partner was out of town. XXXX XXXX, my Realtor XXXX was reviewing the closing documents and she and I noticed that Wells Fargo XXXX XXXX revealed that interest rate was 12.75 interest rate instead of 8.75. I told XXXX XXXX they falsely applied a XXXX percent increase interest rate at XXXX and they refused until I threatened legal criminal action. Therefore, they agreed to do a new loan closing document at XXXX instead of their illegal change from XXXX. 
Wells Fargo finally agreed to the correct interest rate and started closing process again and we finally closed the XXXX Mortgage XXXX at XXXX. It took XXXX hours to close the redone new loan at XXXX percent and Loan XXXX XXXX  XXXX XXXX  XXXX that she informed of her status and went wild due to losing Hundreds of Dollars for her illegal documents with a XXXX instead of XXXX percent. As far as I was concerned she attempted to defraud, illegal and criminal acts per her attempted to change my interest rate by XXXX percent She was friendly until we went to closing and spoke harshly to me that I was causing her Commisson on my Home Mortgage Loan! I was lied to and their illegal acts caused me severe stress. 

Thank you for additional class action case.
Consumer complaint received 2023-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (PA)

i had a mortgage with XXXX XXXX and was in the process of finishing up paperwork on a loan modification. All was set then i get a letter saying my mortgage was sold to a new company Shellpoint. This is where the issues started. I was accused of not completing the loan modification payments to XXXX XXXX when i did the whole process and was just waiting on the new payments to start. Now shellpoint is next to impossible to get a hold of so i was assigned a point person who i was never able to speak with. I left at least four to five voicemails for my point person but never received a call back. I finally spoke with my point person after i had to track her down because they sent a new mortgage for me to sign with no call or email of any kind it just showed up at my house and was way more than i had agreed to with XXXX XXXX. My point person said they would look into and confirmed my phone and email saying she would email me and reach out the next day. That was XX/XX/23, as of XX/XX/23 i still had not received a call or email. I called my point person again and by miracle she answered. asked why i never got a single return call and she said she did call and i asked what number and she gave a number i never heard of. I told her look at her notes we confirmed the right phone number and email on XX/XX/23 conversation. She had no explanation and i asked for a supervisor who was little help and said someone would call me back today XX/XX/23. I have been dealing with this for almost 4 and half months now. So now i have to sign the loan modification that I can't afford or pay {$22000.00} to bring my loan current as it was on deferment during the pandemic for 12 months. so, I am a single father of two teen daughters. The communication and explanations have been absolutely horrible. Almost 21 years in the house and only two prior mortgage companies and this is the first issues i have ever had.
Consumer complaint received 2023-05-13
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. (NC)

This is XXXX XXXX and I am submitting another CFPB Complaint to request the Credit Bureaus ' assistance in removing several fraudulent accounts from my credit file. These accounts have been reported inaccurately, which is negatively impacting my credit score and financial well-being. Despite my attempts to resolve the issue with the Credit Bureaus, the fraudulent accounts remain on my credit report. I have attached a copy of the previous Letter I sent to the Credit Bureuas to this complaint for your reference. The accounts in question are as follows : XXXX XXXX XXXX Balance : {$600.00} XXXX  XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$920.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$300.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. In accordance with the Fair Credit Reporting Act section 605b, I am expecting the removal of the disputed fraudulent accounts off of my Credit File without delay.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NJ)

My initial Citi Simplicity card started out relatively low ( around 12 % ). In XXXX, rates were increasing by .25 % like other credit card companies ; however, in addition to this increase Citi increased my rate by over 5 % starting in XX/XX/XXXX. When I called and asked why, the response from customer service was " other credit card companies are doing the same thing. '' This is absolutely not true ; no other credit has increased my rate by such a large amount in one shot. I have never been late paying and have paid the minimum, if not more, on my account. After this huge increase, Citi continued to increase every month by a small margin like .25 %. Recently, I received another notice that as of XX/XX/XXXX, the rate on my card would increase another 4 %. To add insult to injury, Citi sends me a marketing promotion that I was pre-selected for a card at 0 % for 18 months. After the 18 months, the rate would be lower than by 7 % than what I am currently paying. When I asked customer service about transferring my current card to the Citi Rewards card, they then said I was not eligible. Why send it to me? Why such a HUGE increase in rate, not once but twice? No one seems to be able to give me an answer. All I can determine is that it is greed on the part of Citibank. I will never be able to pay off this card at this rate.
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WI)

extremely hard getting touch with actual person Very lengthy process in getting the loan reworked Hidden fees we were not told about Payments not being processed on the website. It showed it processed and a week later no payments shown or processed from my bank not applying payment if not an exact payment amount, just holding while interest is added to loan. 
Extremely long on hold times on calls, possibly on purpose or they say they will transfer you and it goes back to hold or even worse tranfer you to someones voice mail and it says their voice mail is full. 
Does not let you pay extra principle on the website Very outdated information on the website Honestly just looking for a more reputable company. We did not choose shellpoint XXXX loan was tranfered to them during banruptcy. Feel as tho they take advantage of lenders when they do not have great credit. 
I am sure im missing additional items, Most important to me is to get the word out Shellpoint mortage services is a terrible company to deal with and people should be informed of it, XXXX XXXX
Consumer complaint received 2023-08-24
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: LEXISNEXIS (IL)

Multiple complaints have been filed with you highlighting your violations of my consumer rights. You have consistently denied and disregarded my complaints, despite having no evidence to support your position. You have also committed numerous acts of fraud against me. Attached to this letter is an Affidavit of Truth that details the violations of the FCRA that have been committed against me. These Bankruptcy accounts must be removed immediately from my consumer report/file ; otherwise, I will pursue you in federal court for these violations, as I have months of paper trail and deletions from the other consumer reporting agencies admitting the violations. This is the account : Bankruptcy XXXX  XXXX dischargedXXXX
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BlueChip Financial (WA)

This company was paid in full. I found out that they were not licesnsed to loan in WA State. I cancelled the loan after the state told me that the interest was illegal. Found out that they are reporting a charge off erroneously on my credit report. {$1900.00}. Original loan was {$800.00}
Consumer complaint received 2023-01-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (NY)

The amount they are stating I owe in debt is {$260.00} on my credit file yet when I call them they state that the amount is actually a much higher over {$1000.00}. I know for a fact that the medical service was not that high as I saw the bill from XXXX XXXX ( I believe the information was archived after the debt was sold to collections as I can no longer see the exact amount ) Additionally, I reached out to the agency telling them that I had insurance at the time ( due to covid it was medicare ) and that they told me it would fully cover the expenses of the therapy. They told me they would call me back over 4 months ago and no information has been updated or given to me as of today. I also sent a letter asking them to verify the debt to which there have been no results. However, XXXX seems to have stated in my latest dispute attempt that they verified and updated my file. The information shown on my file is only of name, address, and amount owed- all of which is relevant to the case. This means there was likely incorrect information regarding the debt that they updated only after my dispute and letter. 

Lastly, I tried filing a dispute through experian multiple times to which they denied me and said that the debt was valid despite me informing them not only on the insurance that I had at the time of scheduling the appointment. They continued to deny me when I told them that the debt was also invalid due to HIPAA as I never gave permission to XXXX XXXX to release my medical data nor signed any documents allowing them to do so. As such I would like to report both XXXX and Eastern Account System
Consumer complaint received 2023-01-11
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/2021 Balance : {$370.00}
Consumer complaint received 2022-09-30
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. (FL)

I have an loan that was paid off in XXXX still on my credit report I have put in 3 disputes and call numerous times to Transunion to get it corrected they have yet to correct anything they said I had to contact XXXX XXXX and so I did they said they sent in a manual payoff information and it still on there Transunion couldnt actually be investigating anything because they would have found it to be paid off I have even sent in copies of the paid off receipt and still nothing
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (NY)

I file this complain against American Express : ( 1 ) The highest interest rate ( 29.99/ % ) ( 2 ) The highest fee charge ( {$39.00} ) ( 3 ) Bad business practice behavior ( email, online payment, chat, issue handle, etc. )
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (GA)

AMCA is attempting to collect on debt that I never established a contract  with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX    ) t his action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.  AMCA are in violation : Violation of the Fair Credit Reporting Act Viol ation of the Fair Debt Collection Practices Act Defamation of Character an d the HIPPA L AW.