davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (CA)

On XX/XX/XXXX, i submitted a request for a re-finance on my mortgage. On XX/XX/XXXX, the mortgage broker informed me i had a collection against my credit for a medical bill. I researched the collection through XXXX and found a {$180.00} collection at Franklin Services in  XXXX, MS . I contacted Franklin Serv and they informed me that is was for an unpaid hosptial bill at XXXX XXXX in XXXX, MS from XX/XX/XXXX. I have never been to that hospital nor have i been to XXXX in over 15 years. I currently reside in California. They told me the bill was for a XXXX XXXX, i have no relationship nor do i know who this person is. I left numerous messages at XXXX XXXX and have not been able to get a return call. Franklin serv was rude to me and didnt offer a letter to show the mortgage company that this was done in error. As of today, the collection is still showing and interest rates have gone up to where it has financially impacted my life. I have now missed out on saving {$300.00} a month for the next 30 years. A savings of {$100000.00}.
Consumer complaint received 2020-08-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I paid for 5 flights in XX/XX/2020 for flights in XXXX and XX/XX/2020 Due to COVID all my flights were cancelled and I have written Capital One Bank credit card asking for refund on these 5 flights on seven occasions with letters direct to : Dispute Dept Capital One Customer Service Disputes XXXX  XXXX XXXX, Utah XXXX RE : XXXX XXXX XXXX XXXX I have received credit on one flight and others are in wait without explanation as to the delay .I sent documentation of all flights cancelled by airlines die to pandemic Capital One is a bank and I am told they should do a chargeback for services not rendered The 5 flights are {$1500.00} One flight credited {$980.00} I have withheld % XXXX from ongoing charges each month while awaiting other 4 chargebacks Capital one has the audacity to charge me monthly interest for the {$570.00} held! 
The airlines are taking slow walk to refund cancelled flights! 
Can Consumer Finance help?
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IA)

I have an open dispute with chase visa that they haven't responded to for a month and a half. The company is not allowed to charge interest on disputed amounts ; I have been paying the undisputed amounts every month but not the disputed amount. On XX/XX/XXXX I was charged {$83.00} of " Purchase Interest Charge '' on the disputed amount. I called Chase but the company and informed them they were in violation of the CFPB and FTC laws regarding this. The company escalated it to the executive office but they did not reverse the charge. This is a blatant violation of consumer law. This case pertains to another open CFPB case, which is XXXX. You can see if you look up this case that they have not responded to it. Thank you.
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (GA)

I entered into a settlement with Wells Fargo for a XXXX credit card. When I made the final payment I was informed that it would take 45 days before Wells Fargo would contact the Credit Bureaus to inform them that the XXXX card was no longer in default. 

Is this normal? Why would it take 45 days to have the matter cleared up on my credit report.
Consumer complaint received 2022-11-07
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. (GA)

I sent a letter addressed to the 3 Credit Bureaus requesting to conduct an investigation and correct the information being reported. The 3 credit bureau must validate this account in line with FCRA 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. The listed account need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX XXXX {$12000.00}.
Consumer complaint received 2020-08-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc. (MS)

This company has failed to provide the proper validation of this account per the FDCPA. Also this company has failed to show that they are able to legally collect debts in my state. I have requested the said information from this company and they have failed to comply. This is my final attempt to handle this company independently.
Consumer complaint received 2019-02-05
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)

I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that i have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2020-08-14
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: Experian Information Solutions Inc. (IL)

XX/XX/2020 Dear : Consumer Financial Protection Bureau ( CFPB ) I am writing to inform you of unfair credit and debt reporting from the three credit bureaus. 

It is seemingly harder to dispute unfair credit and debt reporting online and through their mobile Applications ( Apps ). With recurring and repeated erroneous data keep coming back with no proof besides the words of the creditors who have charged off. Unscrupulous Debt collections are just adding to credit reports without writing letters that is a requirement for the Fair Debt to dispute within 30 days nor providing why it was placed on your credit report. According to Federal Trade Commission Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a consumer reporting company ) are responsible for correcting inaccurate or incomplete information in your report. To take full advantage of your rights under this law, contact the credit reporting company and the information provider. All three credit bureaus are just taking the creditors word and providing proof and lawful evidence to the consumer and reinstating Incomplete, Outdated, Unverified, and inaccurate data. 
I have asked for a letter asking the credit bureaus for the proof of signed documents or electronic signatures that support the hard inquires. Proof that debt collectors are licensed to practice in the state of Illinois, authorization to collect and provide legal evidence that they are the true owners or purchasers of the outdated debt and the statute of limitations for the state has passed. The Credit Bureaus have not replied or sent irrelevant information and kept the erroneous information on my credit report. 
In addition, they are reporting inaccurate disparate credit usage amounts and data before payment dates are due by the creditor. 
Late Payments Collections Foreclosures Inaccuracies Unverified Inquiries Charge Offs Incomplete data Outdated and Statute of Limitations has expired
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Complaint regarding Trans Union and XXXX  : On approximately XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX XXXX / XXXX  XXXX XXXX  stating that as of XX/XX/XXXX my mortgage loan will be transferred and serviced by XXXX XXXX  XXXX. My loan was sold to XXXX XXXX  XXXX and was reported on XX/XX/XXXX to the above credit bureaus as, " Account closed and paid. Account transferred. Remark added. " I constantly keep track of both my credit scores and credit reports and noticed that on XX/XX/XXXX my scores had dropped by 16 and 15 points respectively. I first contacted XXXX XXXX and inquired about what the " remarks '' were as indicated on my report. They told me they did not know and to contact the two credit reporting co. 's. I contacted them by phone on XX/XX/XXXX. I spoke to 2 individuals at Trans Union and 1 individual at XXXX. XXXX  did not have an answer and told me to contact my Mortgage Co..  Trans Union told me it was because of, " the length of time of the account ''. I have been paying this particular mortgage for 2 years and 8 months and as indicated on both co. 's. credit reports my credit is perfect with them as is all my other creditors. My credit scores are consistently in the 700 - 800 range for many years and i work hard to maintain that. I went online to XXXX  and Trans Union website and filed a dispute but the problem I have with both is that there system will not let me be specific in my complaint and will not allow me to type a complete description of the issue. 
My credit scores were lowered because of no fault of my own. In fact in theory my XXXX score should have went up. An account that was in excellent standing and was closed and paid in full by my creditor as was their choice and is not at this time being shown that it has been replaced with a new lender on a new account is a plus in credit and credit score calculations.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IL)

I have three store cards with Comenity Bank, Torrid, Ulta, XXXX. In XXXX, I received a debt consolidation loan, and paid them all off in full. This was XX/XX/XXXX. All the other credit card debts I paid off at the same time have been updated for quite a few weeks now. The only ones that haven't are the Comenity Bank accounts. I've checked the three accounts multiple times and they are all at {$0.00}, but they are not reporting this to XXXX. On top of this, they've been a nightmare to be a consumer for. High interest rates, random unrequested credit increases, servers being down and having to jump through hoops to pay bills, and always taking more time than any other credit company to take payments out of checking accounts. It's not logically to pay a bill on Friday morning, only to have the money taken out the following Wednesday or Thursday. This is all just bad business practices. I plan to never get another account with them as they seem predatory with how they behave as bank.
Consumer complaint received 2020-08-14
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. (SC)

THE DISPUTED ACCOUNT HAS BEEN PREVIOUSLY REMOVED OFF MY CREDIT FILE DUE TO THE FACT THAT IT HAS BEEN REPORTING INACCURATE AND WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NC)

Hello to whom this may concern. My name is XXXX XXXX. My husband, XXXX XXXX & myself live in XXXX, NC and are terrified that we may lose our home to Ditech Servicing, LLC. 

We have been trying to get a modification for around 7 months now. I have been told numerous times not to send in a mortgage payment while we were attempting to get a modification even though we were in the financial position to do so. This has now caused us to get 7 months behind at this point. I have sent in paperwork over & over when requested even when what they were asking for we had already sent. Violation of The Real Estate Settlement Procedures Act ( Regulation X ) 1024.41 Loss mitigation procedures. The Consumer Financial Protection Bureau established rules to " protect mortgage borrowers from costly surprises and runarounds by their servicers. '' One day when following up they again stated that they had not received my paperwork even though I had gone to XXXX different stores and received XXXX separate fax confirmation numbers. 1024.41 ( b ) Receipt of Loss Mitigation application - " A servicer shall exercise reasonable diligence in obtaining documents and information to complete a loss mitigation application. '' In the 7 months we have been attempting to get a modification we have had XXXX different account mgrs. Seemingly, we can never speak to the same person twice and our voice mails are rarely returned. 1024.40 Continuity of contact - " Servicers are required to maintain reasonable policies and procedures with respect to providing delinquent borrowers with access to personnel to assist them with loss mitigation options ''. Why were n't we assigned a single point of contact to assist us in saving our home? 

I received a phone call yesterday from a XXXX w/ Ditech XXXX He was curt, rude and frankly a complete smart a**. He said we had plenty of time to pay the arrearage and the foreclosure paperwork was in the mail and then hung up. Fair Debt Collection Practices Act FDCPA 806, Harassment or abuse 15 U.S.C. 1692d - Ditech has been very rude and somewhat threatening when communicating with me regarding my mortgage. I do n't understand why Ditech feels the need to talk down to me or treat me so poorly. They treat me like a deadbeat and have no sympathy towards our hardship. 

1024.39 Early intervention requirements for certain borrowers - I do n't feel that Ditech has ever provided me with a " Fair Review Process '' for a modification, as required under the Dodd-Frank Wall Street Reform & Consumer Protection Act. 

It appears, without a doubt, Ditech has violated numerous servicing laws set up to protect mortgagers under the Wall St. Reform & Consumer Protection Act. 

We can afford our payments now and only need Ditech to do the right thing by us and assist us in getting this back on track so we may continue to live in our home that we love and have lived in for 16 years. 

Please Help!!! 
XXXX & XXXX XXXX XXXX, NC
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (GA)

Dear CFPB, I am writing to express my concern regarding a dispute I recently raised with XXXX/CBNA, which was verified under the Fair Credit Reporting Act ( FCRA ). The core of the issue is that there is an incorrect Social Security number associated with my file. Despite my requests, XXXXCBNA has refused to provide me with the necessary information or address my requests for information correction. They have also confirmed over a recorded call that my social security number is unverifiable in their system. 

I hereby request a detailed re-investigation of this matter to ensure all information, particularly my Social Security number, is accurate and complies with FCRA standards. Any unverifiable or fraudulent information should be promptly removed from my records. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-08-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had 2 CDs mature at Capital one. Each have taken an unreasonable amount of time to receive the proceeds/principle requested upon maturity, both requests made the morning that the CD 's matured. 
CD # XXXX ( APR 2.50 % ) opened XX/XX/XXXX and matured on XX/XX/XXXX, but was not paid into my Capital One checking until XX/XX/XXXX, and no provision for interest earned for 4 days was made for the period from XX/XX/XXXX to XX/XX/XXXX. Interest for 4 days on {$230000.00} is approx. {$64.00}. Request to close CD and transfer funds made XXXX XXXX  on XX/XX/XXXX. Interest was requested for 4 days on XX/XX/XXXX. 
The second CD # XXXX ( APR 2.30 % ) was opened on XX/XX/XXXX and matured on XX/XX/XXXX and funds were not received until XX/XX/XXXX. Request to close CD and transfer funds made XXXX XXXX on XX/XX/XXXX. Approximate interest for 7 days on {$100000.00} is approx. {$46.00} for the period from XX/XX/XXXX to XX/XX/XXXX. 
Numerous follow up calls were made to receive the original principle, and each day I was told that the back office was backed up. 
I was also negatively impacted regarding CD ending # XXXX, as I had intended to fund an annuity outside of Capital One, and had to make exceptional arrangements, since I didn't have access to the funds that were due me on the promised date. 
The following case numbers were furnished, and multiple phone calls were made to secure funds and interest, however no follow up has been made despite numerous promises to get back on the interest request. 
The following case numbers were submitted beginning XX/XX/XXXX and also submitted on XX/XX/XXXX : Case # XXXX, XXXX, XXXX, XXXX. Response was promised to cases opened within 15 days, and to date, no response has been made.
Consumer complaint received 2020-08-14
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. (SC)

THE DISPUTED ACCOUNT HAS BEEN PREVIOUSLY REMOVED OFF MY CREDIT FILE DUE TO THE FACT THAT IT HAS BEEN REPORTING INACCURATE AND WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.
Consumer complaint received 2020-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (NJ)

Debt assigned to my account in error. Debt listed in another persons name but assigned to my account. Company say I owe debt but debt is not in my name. Debt is in another person name. Debt is showing owed by a XXXX XXXX. I am unaware of who is this person. I am also unaware of this debt.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion has 13 inquiries on my credit report. I have written a letter and no response. It has been well over 90 days. The following are the inquiries and dates : XXXXXXXX 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 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (GA)

Dear CFPB, I am writing to express my concern regarding a dispute I recently raised with AmexXXXX, which was verified under the Fair Credit Reporting Act ( FCRA ). The core of the issue is that there is an incorrect Social Security number associated with my file. Despite my requests, Amex/XXXX  has refused to provide me with the necessary information or address my requests for information correction. They have also confirmed over a recorded call that my social security number is unverifiable in their system. 

I hereby request a detailed re-investigation of this matter to ensure all information, particularly my Social Security number, is accurate and complies with FCRA standards. Any unverifiable or fraudulent information should be promptly removed from my records. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

A collection account was added to my XXXX XXXX and does not show up on other bureaus. They have verified as accurate. But have not provided me with any information. I called the company directly and they said I called in yesterday, which I did not. They couldnt give me any information other than dispute, which I already have, police report, of identity theft complaint.
Consumer complaint received 2017-05-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I received notice of a lawsuit from   XXXX   XXXX   XXXX   on    XXXX   XXXX  , 2017  for an  XXXX  card balance {$920.00}. I contacted them and because I did not want to have this dragging out or have to go to court, I discussed with  XXXX   XXXX   XXXX , a possible settlement. I contacted the gentleman within a day, indicating a family member would assist me but could only give us {$400.00}, we agreed on a settlement of {$500.00}. I never received a letter indicating same. A settlement letter was sent to me for the amount of {$650.00}. Every time I contact the office I get the run around. I was told the letter would be sent, it was never received. When I called back I was told it could be emailed and would be received by the end of the day. It was never received. I contacted the office again on several occassions and every time there was an excuse. I have been told it has been sent and I have been told it was not sent - all by the very same individual as he is the only person I have spoken to at the law firm. I have been told there is a backlog and I was also told because in my answer to the court I disputed the debt, it had to be cleared by the original debtor, Portfolio Recovery and they could not send the settlement letter. I contacted  Portfolio Recovery  and was told they could not provide any information. It appears they are deliberately preventing me from resolving this matter by giving inaccurate information. Thank you for your assistance. I do not know whether or not the amount in question is correct, but I do not want to be hassled by these dishonest people any longer. This firm is known for and has previously been sued by federal agencies for dishonest collection practices and now I am another victim. They have never provided any proof of contract in addition.