davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XX/XX/XXXX collections for {$90.00} and a another one for {$390.00} no full account number no original creditor 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CA)

I called XXXX  on XX/XX/XXXX to cancel my services because XXXX could not render the services that I paid for in advance. I was on the phone for over three hours and hung up on once while waiting over an hour. I was transferred to 4 different depts. While on at least 25 min holds. My XXXX XXXX was billed on XX/XX/XXXX which I paid. My card was billed again on XX/XX/XXXX. I disputed the claim with XXXX and I called XXXX Customer Service Manager on XX/XX/XXXX. She told me that my service was not cancelled. XXXX sent me to the wrong dept to cancel my service. I replied Ll you want to do is take my money. I did not have an operational system since XX/XX/XXXX. I asked the Manager on a recorded line if I owe anything twice - she said I owe nothing. I was requesting a refund for XXXX payment. The manager told me that the service cancelation is 30 days, XX/XX/XXXX. XXXX the same where XXXX presented payment which XXXX declined. XXXX said I was in the right. XX/XX/XXXX payment was presented again and I thought XXXX  WAS STILL CHARGING ME MONTHLY. I calledto cancel my XXXX card. The rep explained that it was the same charge presented. I called XXXX  on XX/XX/XXXX and the rep and manager agreed that I should have not been billed. I was told that I owed to end of XXXX. I paid XXXX. I get a bill from Credit Collection Services on XX/XX/XXXX. I called XXXX  and verified the payment made. It was. I requested a receipt which I have not received, requested an apology, and removal from credit agencies. This is how XXXX treats a loyal customer for over 7 years who paid in advance.
Consumer complaint received 2021-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I opened a case with PayPal because I did not receive the item. Seller provided tracking information so I went ahead and talked to XXXX about the non delivery issue and it turned out the package seller shipped did not have the correct shipping information which turned out it was delivered to completely different address and person. I talked to PayPal about this to appeal the case and they're not doing anything to help. I can't believe big company like this profits off hard working people like me without getting caught. I'm so disappointed.
Consumer complaint received 2021-03-20
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. (KY)

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX  XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX TransUnion is reporting an opened date of XX/XX/XXXX, XXXX is reporting an opened date of XX/XX/XXXX and XXXX  is not reporting this account, XXXX XXXX XXXX XXXX TransUnion is reporting an opened date of XX/XX/XXXX and a balance of {$680.00}, XXXX is reporting an opened date of XX/XX/XXXX and a balance of {$680.00}, Equifax is not reporting this account, ORIGINAL CREDITOR XXXX TransUnion and XXXX are not reporting this account, XXXX  is reporting an opened date of XX/XX/XXXX and a balance of {$130.00}. ORIGINAL CREDITOR XXXX TransUnion and XXXX is not reporting, XXXX is reporting an open date of XX/XX/XXXX with a balance of {$130.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX  and XXXX  considered to be furnishers? These accounts do not belong to me and TransUnion, XXXX  and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2023-01-29
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. (NJ)

This investigation took longer than 30 days here is my tracking number sent certified mail XXXX In accordance with the Fair Credit Reporting Act.The list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681. 
Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Has violated my rig

hts 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 15 USC 1681s-2 ( A ) ( 1 ) A persons shall not furnish any information relating to a consumer to any consumer reporting agency if the persons knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

On XX/XX/XXXX I received a call from XXXX XXXX XXXX a young lady name XXXX who stated she was calling from Transworld System on behalf of XXXX XXXX XXXX XXXX XXXX. She went on to tell me this was an attempt to collect a debt. Confused as to what she was talking about I questioned, what debt? I have no outstanding debt and vacated the XXXX XXXX XXXX  XXXX XXXX accordingly back in XXXX, following the expiration of my lease. She was unable to provide me dates as she stated she did not have any supporting docs on file. I sincerely thought I was being prank called as she was unable to provide any validating information and not to mention, this was the first I had ever heard of this. I further asked IF this was true, why would they wait almost 5 years to attempt to collect. She stated theyve made attempts at contacting me but were unable to locate a number for me. Thats bogus I told her. Just as she was able to dial my number and get me, they would have been able to do the same but they didnt. As a matter of fact, my number has not changed its been the same for over 7 years, so that was a lie. 

She went on to tell me that XXXX XXXX XXXX XXXX XXXX is alleging I owe for missed payments/rent ( back rent ). I asked when did the miss payment take place? She was unable to provide me dates as she reiterated, she did " not have any supporting docs on file. '' Yes, I resided at XXXX  XXXX XXXX XXXX XXXX and vacated in XXXX when my lease expired, never having missed a payment. It's been nearly 5 years, of course I'm no longer in possession of rent receipts. I'm sure they expect this. Therefore, I requested from her an itemized statement. Instead, on Friday XX/XX/XXXX I retrieved a letter that they were collecting a debt and I had 30 days after receiving the notice to dispute. Surely, Im disputing this with Transworld Systems Inc but I also ask that The Consumer Financial Protection Bureau intervene as this company is threatening me with a falsified debt that is not only fabricated ( or possibly misdirected ) but outside Maryland statue of limitations ( 3yrs ) in which action can be brought.
Consumer complaint received 2022-03-24
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 — Problem with personal statement of dispute
Company: U.S. BANCORP (ID)

In XXXX these two charges were processed on a US Bank credit card that I called and closed in XXXX of XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX MA {$96.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX DE {$99.00} I have to assume that even though I asked for the card to be closed it was, in fact, not properly closed. Due to this belief, and because US Bank did not send me any statements to notify me that these charges existed, I was unaware of them until I received a letter from US Bank notifying me that the account was 30 days past due. Consider that for 8 months I believed this card was closed. I lived my life as if this card was out of the picture, obviously I was not attempting to log in and check on the balance and payment. 

Upon receipt of the letter, I called US Bank to pay off the card and, again, close the account. I also explained the situation, asking if US Bank could remove the 30 day late report. They said it was not something they had the ability to do and I would need to discuss with the credit bureaus. For the record, I don't believe that is accurate. I believe US Bank does have the ability to correct this issue. Nevertheless, I proceeded to challenge this 30 day late with all XXXX bureaus. 

XXXX just concluded their investigation and has not removed the 30 day late for the reason that " The company that reported the information has certified to XXXX that the information is accurate ''. That is an apathetic " investigation '' at best. I never claimed the information was not accurate. I am claiming that the charges should never have happened and that I had no idea they even existed because US Bank did not notify me of them. For those reasons I should not have a negative mark on my credit report. Again, this has occurred on a card that should be closed. 

My credit score is supposed to reflect my ability to use debt. In 25 years of history I have never had a single negative mark on my credit report. If you see my report you will notice that I paid every other debt leading up to XX/XX/XXXX, during the month of XXXX, and thereafter. This situation has nothing to do with my ability to responsibly use debt but rather has to do with a failure of US Bank to close my account as requested and subsequently failing to notify me that charges existed on this card.
Consumer complaint received 2020-03-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI)

I have a mortgage through Rushmore Financial Services. I  called to ask about government help for Covid-19 affected families. I was told that there was a forbearance offered but that I would first have to pay my current mortgage payment. The gal also let me know that I would likely lose my house at the end of the forbearance anyways. She offered no other solution. I paid my mortgage but that leaves me extremely tight. I am just trying not to leave myself in a financial peril during this time. I feel like this company is attempting to manipulate the rules of these programs to take advantage of people.
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MS)

I was working trying to buy a car and the strangest thing happen. I was told about a Bankruptcy from New York ; however, I live in the great state of Mississippi. I sent one of those dispute things to LexisNexis because the credit place said they used LexisNexis to verify this type of information. It has been over 30 days and I've heard nothing from LexisNexis. A lawyer told me they had 30 days to respond and if they do not that is a violation of the FCRA. I have not heard anything from them - and I need this negative information removed from my credit report and LexisNexis reprot.
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Loan service provider SPS Select Portfolio Servicing ( XXXX ) XXXX mistakenly under paid property taxes out of my escrow account totaling {$3200.00}. This error made me incur a penalty of {$1000.00} with the city of XXXX XXXX. I've tried to get them to rectify and issue me a refund but they have refused. I've called them a dozen times and they give me the run around.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2020-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My account was used for a unauthorized transaction in the amount if XXXX. I did not give my pin number to anyone and I didn't make these transactions. I spoke with the CEO who told me to provide my police report to help reverse the decision to not refund my money. Since the Corona Virus has stopped all buisness and I have been just out of my money. Wells Fargo has no insurance coverage for their customers and I cant afford to lose that amount of money.
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a new account with Capital One on XX/XX/2020 and received an email that the card had shipped on XX/XX/2020. I have not received the credit card as of XX/XX/2020. My online banking account claims it was shipped on XX/XX/2020. When I called previously, they said it should take 7-10 business days from the shipping date which is long past. Though now when I call the automated service claims that no card is on file having been shipped. It is all very confusing. When I call Capital One to speak with a representative there is no one available to talk to and my call is dropped. They advise I use the online portal, which advises me to call a line which has dropped my call 5-7 times. I have been calling since Monday, XX/XX/2020. I am monitoring the account closely as I do not know if my mail was stolen. As of right now, Capital One does not have adequate staffing to deal with the Corona Virus Crisis. Additionally, I XXXX  at Capital One yesterday. 

The XXXX  is at this URL : https : XXXXXXXX XXXXXXXX As of Friday, XX/XX/2020, I have no received any response from them. This is unacceptable during a national crisis. Many are unemployed and customer service over the phone is a remote work job. I do not know when they are not able to keep their responsibilities to their customers during a national crisis. 

XXXX XXXX
Consumer complaint received 2020-03-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (VA)

I opened a Preferred Savings account with TD Bank in XX/XX/XXXX. This offers a preferred interest rate at 2.5 percent for the first 12 months. I had received interests at 2.5 percent until XXXX. In XX/XX/XXXX, I noticed on the account that the interest rate dropped to 0.2 percent. I have contacted the bank on XX/XX/XXXX, and I was told that there was nothing wrong. I urged the bank agent to investigate this problem, but I have not heard back.
Consumer complaint received 2021-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (PA)

Incident of Identity Theft Received Collection Letter from MRS dated XX/XX/2021 via USPS. Letter cites an unpaid account with XXXX XXXX. I do not have a cell phone contract with XXXX I am an XXXX XXXX XXXX cell phone customer. Called MRS on XXXX and XXXX XXXX to resolve fraudulent collection and was told to contact XXXX which i did on XXXX XXXX. XXXX stated account was with MRS for collection. Attempts for to correct identity theft associated with the fraudulent action have been unsuccessful. MRS letter is attached
Consumer complaint received 2020-03-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (OH)

My daughter was injured on XX/XX/XXXX and transferred from one hospital to another by ambulance. ALL of the bills were paid using my Medical FSA in the year the accident occurred. XXXX XXXX  after the accident in XXXX of XXXX I received a bill for {$2100.00} from XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX. I immediately requested an itemized bill and indicated that the request was for a service that occurred XXXX XXXX XXXX  and i was under a different insurance and worked for a different employer and had I been presented that bill in a timely manner I could hav used my FSA   at the time. I NEVER received another bill from XXXX. IT went to United COllections who sent a bill for the {$2100.00}. I disputed that bill with a written letter stating exactly what I stated above, that I asked and never received an itemized statement, that the initial charges came XXXX XXXX XXXX after the accident and that Im now under different insurance and could NOT use my current FSA to pay that XXXX year old bill. They NEVER sent a second request for payment, instead United COllections turned my debt over to the credit bureaus and it went on my SPOTLESS credit report. 22 years of maintaining SPOTLESS credit was ruined by XXXX  XXXX XXXX and United Collections neither of which sent me any communication in a timely manner and never responded to my written disputes.
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019 and 30 days late as of 2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (TN)

We purchased airline tickets with Amex XXXX. Due to XXXX we had to cancel the flight. On XX/XX/XXXX we cancelled the flight. When cancelling the flight Amex representative told us we would be refunded our {$6600.00} to our card. Additionally they sent an email on XX/XX/XXXX that shows it will be refunded to the card with 45 days. 

On XX/XX/XXXX I followed up to find out the status of the credit. Amex is now claiming they never said it would be credited to account. They stated they would review the call and provided case number XXXX. We have called now multiple times to follow up on the status of this case. Originally they said that review would be done in 7-15 days. We are now over 40 days and they still have not reviewed the call. We have emailed and called repeatedly and they all end in dead end calls where they say they can do nothing. 

Please assist as this is a significant amount of money promised to be returned both verbally and in an email.
Consumer complaint received 2023-05-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2020-03-15
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: CITIBANK, N.A. (VA)

THIS IS NOT A DUPLICATE-Citibank is reporting inaccurate information to all three major bureaus. They responded to a previous CFPB investigation stating that the information was correct. The past due history is showing for XXXX : past due ( XX/XX/19 and XX/XX/19 ). XXXX  : past due ( XXXX ) and XXXX  : ( XXXX ). Under the federal Fair Reporting Act ( 15 U.S.C section 1681 and following ) you are obligated to investigate this request within 30 days and promptly give credit reporting agencies correct information. These negative remarks are damaging my credit. Please promptly contact XXXX, XXXX  and XXXX  and any other credit reporting agency to which you have reported and remove all past due history from my file because it is misrepresentation.