davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (RI)

Professional finance company of XXXX XXXX failed to receive insurance payment for my labs done in XXXX and XXXX. These labs were not paid for and then were continued to be sent to collections and affecting my credit score drastically while I was covered by insurance and was not responsible for paying the medical costs due to the fact I was covered by insurance for both labs. I have disputed and my dispute was deemed accurate but my credit score has not changed and the labs are still presented on my credit history. I have also contacted my doctors office several times who have also reached out to the company and insurance to fix the issue. Nothing has changed.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau (IL)

On XX/XX/2020, I disputed this item with the Credit Reporting Agency that I owe {$360.00}. I have not resided in XXXX  for over two years. I currently reside in XXXX  and received a notification that my credit record had a collection beginning in XX/XX/2020. I never received any communication from this MEDICAL BUSINESS BUREA nor from XXXX about a medical bill. I have medical insurance and was only required to pay a copayment. I have a copy of all my medical records and there is no record of this debt being owed to XXXX XXXX XXXX.
Consumer complaint received 2021-12-04
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: Bread Financial Holdings, Inc. (FL)

I have disputed this multiple times with the credit bureaus as well as the creditor. None of which have provided me any proper validation of this account, also I have disputed the inaccurate information such as reporting dates. This account is inaccurate and derogatory, which is in violation of my consumer rights to the best of my understanding.
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

In XX/XX/2020, Citi Bank closed my account due an exceeding of the 90 day policy. 
This is the first time I had ever been in this situation which was due to COVID19. 

I am a young entrepreneur, so I did not qualify to receive any of the XXXX Loans that were available to businesses. 

This put me in a financial deficit. Prior to this situation I have always made my payments on time. 

Citibank was running a program to assist people in financial burden, and I signed up for it. 

Due to the fact that I am young and I do not have a ton of experience dealing with credit, I did not know how to respond during this time. I did not know there was a 90 day policy that would case my account to be closed. 

I continued to call and speak with agents to let them know that I had every intention of making payments as soon as I was able to generate income. 

As a father, husband, and employer, I had to see to the protection of my family and staff. 

This has been a very difficult season to endure. I would hate to sacrifice the relationships I have worked so hard to build.
Consumer complaint received 2021-02-10
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: JPMORGAN CHASE & CO. (NJ)

Chase recently reviewed my credit card account and reduced the credit limit to {$2000.00} over the phone. This review was done on XX/XX/XXXX. 

Their reasoning was that my revolving credit account balances were too high based on an XXXX credit report they pulled. I logged onto my XXXX  account and pulled the latest report they have on file. On that file, it mentions that my revolving credit was at 16 % of my overall credit limits on credit card accounts. I escalated this to their management team and they refused to budge or wait for an updated report on their end. I asked them to delay this review for a month so that they could have a more up to date report on their end. In particular, balances on my XXXX XXXX ( from XXXX XXXX ) are highly overstated since they haven't reported last month 's information yet. I made a purchase with the card in XXXX that I cancelled shortly after and the balance on the card now stands at {$210.00}, which is under 30 % of the limit I have for them. 

Even with this overstatement, the credit report lists my credit usage at only 16 %. 
I find this to be predatory behavior. I have made moves to raise my credit score and Chase 's move simply serves to hurt my score based on errant information. I have attached copies of my XXXX  report ( that they used ) along with screen shots of what I see on my XXXX XXXX account ( with the other two credit bureaus ). All three credit bureaus are reporting 15-16 % usage, which is not " high revolving usage '' as Chase claims. 

The reasoning they are using to reduce my credit limit is incorrect. I dispute their assessment.
Consumer complaint received 2021-12-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mercedes Benz Financial Services (CA)

I paid off the lease in full on XX/XX/XXXX as I was planning on selling the car to the local XXXX dealership. After I paid the lease off the dealership said I would need to wait for the title and that it would be better to reverse the final payoff and they would take the car in on trade. They called on XX/XX/XXXX for me and requested that the final payment I made of {$25000.00} be reversed. I authorized it over the phone and they told me they would send me a check within 21 days. I called Mercedes Benz Financial XX/XX/XXXX and spoke to XXXX who told me they mailed me a check on XX/XX/XXXX to my home address. I checked with my local post office since that was too long for mail to take and was told that it was not in that days mail. I called back on XX/XX/XXXX and spoke with XXXX who told me again that they showed the check was mailed to my home address on XX/XX/XXXX and after I told her I had not received it she said that I could request a new check and that they would overnight it to me but we agreed to wait until Mon XX/XX/XXXX to see if the original check showed up and that she would call me to see at XXXX. She never called me the entire day and I still do not have the check so I called back again on XX/XX/XXXX and spoke to XXXX. I requested to speak to a manages as it was my XXXX call and I was getting no resolve and they owe me a considerable amount of money that frankley should not be sent regular mail ion the first place. I them went through it all XXXX XXXX again and she put me on hold and came back and told me that the money is not due to me and that they sent it to the local dealership on XX/XX/XXXX, I checked with the locak dealership and they have never received the money. I formally ask Mercedes Benz Financial to return my money in the amount of {$25000.00} immediately via overnight to my home address as this is unreasonable and at this point they are saying they gave it to someone else.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

Opened a CITI XXXX XXXX VISA and did not start using it until late XXXX. I signed up for paperless billing with email billing notifications. I went into the online account on XX/XX/XXXX and did not have a generated bill. It did NOT ask to verify my email address at any time. Since I had no previous CITI billing history to go by, I made the mistake of waiting for the billing notifications that never came. They were sending my information to an email address that was not mine, since the executive response team told me they did not bounce back. This is a breach of my privacy, since they made no effort to verify my email address at any point, made no calls, sent no mail, but instead waited until the account was already past due to text me from a non-descript number. 

I received a text message on XX/XX/XXXX from XXXX a number offering no detail, telling me to visit XXXX or call. At this point, the account was already 32 days past due. 

Luckily, I called and after making 10 phone calls to citi agents and supervisors, alerting them that I was NOT and had NOT received ANY communication from Citi EVER - not one agent bothered to take it seriously and VERIFY my email address. Instead, I had to request to speak to tech support myself to find out WHY I was not getting the email billing statement notifications we agreed theyd send me when I signed up, as well as NO phone calls and NO MAIL. 
The XXXX XXXX CONFIRMED that my email address, XXXX was MISSING ONE LETTER and corrected it. I immediately received an email from Citi. 

I had no prior history with this card to know when to expect billing, and would expect theyd make an effort to confirm they have the correct email address before reporting me to the credit bureaus AND reducing my credit line down to my balance, CITING MY CREDIT USAGE on other cards because we went on a trip in XXXX!!!!!!!! 

I have an excellent payment history with no late payments for YEARS. I would like Citi to accept responsibility for not confirming they were sending my statements to the WRONG ADDRESS either on the many phine calls, OR on XX/XX/XXXX when I was in my account. 

This was not my error.
Consumer complaint received 2023-04-06
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. (MI)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, 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 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, has violated my rights . 

15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My investigation has been going on for 30 days now and I still don't have investigation results. According to the fair credit act this is a violation of my rights.
Consumer complaint received 2021-07-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (VA)

After purchasing a home with a VA loan my wife and I have received a number of refinance letters from loanDepot.com LLC. We have never had any business dealing with loanDepot.com and do not desire to. My wife and I both completed the opt out process at XXXX, as provided by the Fair Credit Reporting Act, on XXXX XXXX XXXX loanDepot.com has ignored our opt out and continued sending refinance letters. After giving adequate time for any letters already in the mail to be delivered we directly contacted them on XXXX XX/XX/2021 at XXXX EST. They agreed to stop sending letters. However my wife and I have continued to receive letters from loanDepot.com, with the latest received yesterday ( XXXX XX/XX/2021 ).
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Changes in terms of what was offered/advertised On XX/XX/XXXX I applied for and was approved for the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX airline miles promotion once the cardholder spends {$3000.00} over 3 months. 

I would NOT have opened the account IF I was notified that I was not eligible for the XXXX airline miles promotion. 

After meeting the promotion requirements I expected to see XXXX airline miles in my account. By the end of the month of XXXX, I had not yet received what was advertised. I called American Express to follow up on the promotion. They initiated an investigation into why I had not yet received the miles. I was advised that a decision on the investigation would be finalized no later than XX/XX/XXXX. On XX/XX/XXXX, I spoke with the American Express customer service billing team XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) who confirmed that I have met all of the eligibility requirements and that she can see that I applied for the XXXX mile promotion. But at the time she did not have an update on the investigation but stated it may have been an Amex error. 

It has now been more than XXXX weeks past the time I should have received what was advertised and I have no other choice than to initiate a complaint to get the XXXX airline miles ( retail value {$2400.00} ) I deserve. 

It is now XXXX, I have not heard back from the company with any resolution from the investigation that was initiated in XX/XX/XXXX.
Consumer complaint received 2018-10-09
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. (CA)

The account XXXX XXXX XXXX  was not a past due, I am paying it faithfully..I take care of my bills and pay these creditors on time.. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the late payments from my report immediately
Consumer complaint received 2022-06-10
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. (NC)

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. 

XXXX Account # XXXX, has 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 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 2022-02-03
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. (WA)

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-04
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. (SC)

XX/XX/2021 Attached are document to prove my identity, FULL NAME, ADDRESS, SOCIAL SECURITY, BIRTH CERTIFICATE. Under consumer law, I REQUEST MY SOCIAL SERCURITY NUMBER BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX Code SUBCHAPTER IIICREDIT REPORTING AGENCIES. Consumer law XXXX XXXX XXXX XXXX - Disclosures to consumers
Consumer complaint received 2021-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

ITS GOING ON XXXX YEARS SINCE DOVENMUEHLE MORTGAGE, THE LOAN SERVICER, CONTINUES TO TRY AND DEFAULT OUR MORTGAGE ACCOUNT IN ORDER TO FORCE US IN TO FORECLOSURE AND STEAL PROPERTY AND EQUITIES AS BANKS DO TO HOMEOWNERS. THERE LATEST SCAM RECENTLY OCCUR THIS MONTH, WE RECEIVED A MORTGAGE BILL WITH AN INCREASE OF {$530.00}, WHEN NO MONEY IS OWED TO THIS SERVICER ON ESCROW PAYMENTS. AS WE HAVE NEVER MISSED A SUNGLE MORTGAGE PAYMENT IN XXXX YEARS, AND NOW THEY CONTINUE TO TRY AND FORCE A DEFAULT. LAST YEAR THEY TRYED TOO INCREASE THE PAYMENT TO ALMOST {$5000.00} PER MONTH. THIS LOAN SERVICERS ARE CROOKS AND SCAMMERS AND SHOULD BE INVESTIGATED FOR THERE PRACTICES UNLAWFUL PRACTICES. WE PAY OUT MORTGAGE BILL MONTHLY. PAY OUR TAXES YEARLY DIRECT AND OUR HOMEOWNER INSURANCE. WANT THIS LOAN SERVICER FULLY INVESTIGATED AND FINED.
Consumer complaint received 2018-10-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CHECK INTO CASH INC. (CA)

On XX/XX/2017, I lost my Job, and for loan that I had with them of a monthly payment in the amount of {$500.00} was an excessive amout that ai could not pay in total. By calling the company and by calling the company I had the chance to set up a payment arrangement, which was to pay {$300.00} a month, but close to the end, the agent on the phone mentions that by changing the payment plan, the interest rate will raise by 15 % more, when it was already high enough for me to pay.
Consumer complaint received 2022-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

I never even heard of this company in my life this was also on my police report that i sent to all the credit agencies. They all took it off and then about a year ago XXXX put this back on. once again with know warning or didn't even explain why.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was denied an extension of credit by CAPITAL ONE BANK. On XX/XX/2022 I submitted a credit card application and was sent an Adverse Action notice from CAPITAL ONE BANK on XX/XX/2022. The letter from CAPITAL ONE BANK is proof and evidence that I have been discriminated against. CAPITAL ONE BANK has violated my federally protected consumer rights.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

The accounts COUNTY OF XXXX XXXX, XXXX XXXX  XXXX, were not a past due, I am paying it faithfully..I take care of my bills and pay these creditors on time.. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the late payments from my report immediately