davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Care, Inc. (TX)

XXXX XXXX XXXX. 
XXXX, TX XXXX XX/XX/2022 Re : XXXX XXXX XXXX, acct. # XXXX. 

Complete Care : This is to inform you that a bill you sent me in the amount of {$130.00} is not supported by information that you have provided to my insurance carrier or myself.

Your bill does not identify the actual date ( s ) of service, the provider of service, or the item ( s ) of service for which you claim I owe you.

I have contacted my insurance carrier, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Utah, XXXX, and filed a complaint regarding this bill, case ID XXXX. 

I am asking you to suspend your collection activity pending resolution of my complaint. 

XXXX XXXX, XXXX XXXX XXXX. 
Cc : XXXX XXXX, Attorney General of Texas, Consumer Finance Protection Bureau.
Consumer complaint received 2022-02-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: State Collection Service, Inc. (TX)

I entered into a rental contract on XX/XX/XXXX with XXXX through XXXX XXXX XXXX. Per XXXX XXXX after 13 months of rental equipment becomes property of patient. Around XXXX XXXX I started receiving threatening messages from XXXX that they were coming to pick up equipment because I did not have insurance coverage. Please note that I informed XXXX if they stepped foot on my property the XXXX XXXX Police Department would be called to remove them and charge them with trespassing and harassing the XXXX for life threatening equipment. I have attached my proof of coverage. I switched to a different XXXX XXXX plan in XXXX. Nonetheless, XXXX opened up several investigations to XXXX 's threats and correspondence those can be found yellow attached post it note beginning with # XXXX ...., XXXX also reached out to XXXX to inform them of the XXXX guidelines as well as the fact that I owed them nothing. XXXX has ignored XXXX and myself and has now turned me in to State Collection Service. I am now receiving calls and collection notices from both State Collection Service and XXXX.
Consumer complaint received 2018-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I have a loan with CITI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CITI with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$480.00} ; XXXX  XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-12-03
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. (LA)

n accordance with the Fair Credit Reporting act, XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX, 2022 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
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a credit card from Capital One by way of XXXX XXXX. 
Last month I received their bill the day it was due. I called the company expressing my concern why they mailed it so late. The short story is they said it doesn't matter. They gave me a XXXX time credit for the late fee, but would not remove the interest charge. 
I mailed that FULL payment that day. 
The other day I received a new bill that I owed the interest ( that I already paid the previous month ) and it was due. I called the company again to see why, and they told me I had to pay that charge again to clear my account. I told them to close the account and I was switched to a supervisor and was told I still owed them that interest charge even tho the account had been paid in full. I informed her that was against the " Federal Credit Protection Act '' and that that was illegal. 
She finally said she'd clear that from my account. 
My complaint is that they illegally tried charging me twice for interest when the bill was previously paid. How many other people are being subject to this outlandish business practice, and the amount of monies they are scamming unaware customers?
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-07
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. (PA)

hello, the XXXXXXXX XXXX account that appears on my transunion XXXX and XXXX credit reports was charged off in XXXX in the amount of {$1100.00}. this account has shown this balance and never changed until XX/XX/XXXX where suddenly the balance changed to {$1100.00}. i have disputed with all 3 credit reporting agencies about this account for inaccurate reporting and each time it is verified as accurate when in fact the balance is not correct. each time the status date on this account has never changed as well so how can the account have properly been investigated? ive also requested proof of the balance as it is my right to have only verifiable information reported against me and it has been to no avail. also the information reported on this account does not match across all three reporting agencies so how could they in fact be properly investigating this matter?? if the information on an account can not be verified it must be deleted from the consumers report. it is a violation to report information on my credit file that is inaccurate and unverifiable. also there are inconsistencies between the agencies reporting this account like payment history does not match, missing payment history, date of first delinquency monthly payment and etc of which errors i have encircled and or highlighted in the documents i have attached to this complaint.. thank you for your assistance with this matter.
Consumer complaint received 2019-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : ***Add Collection Details for the company ( Furnisher/Original Creditor XXXX Account Number ) Account Number : XXXX Collector : XXXX Original Creditor : XXXX XXXX XXXX Status XXXX XXXX Balance Amount : {$XXXX}
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$17000.00}
Consumer complaint received 2024-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (DE)

The Citibank Home Depot account was opened pursuant to XXXX CFR XXXX was a purchase money loan in which I should have received a cash advance and I did not. The account was never credited for the certificate of indebtness or the dividend interest made off my treasury coupons via the XXXX Funds Transfer Act. The IRS states as well as XXXX XXXX XXXX this debt has been XXXX and I should have received a XXXX for balances over {$1.00} to report as income. According to the XXXX, I have no obligation to pay a promissory note, this would constitute as securities XXXX. 18 USC 8 According to 12 CFR 1006.22 ( b ) XXXX XXXX  purchased a debt that CitiBank could not collect, but by means unknown to me, they retrieved my banking information and began debiting my checking account UNAUTHORIZED by me for XXXX a month. ( Theft ) I located a notice they mailed to me LYING stating I REQUESTED for them to do so. XXXX XXXX purchased the debt, so it belongs to them. Pursuant to 18 USC, I owe no debt to this company. CitiBank XXXX15 USC 1692 ( d ) by selling the account to collect the debt.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Credit acceptance has placed an inaccurate late payment on my credit profile for my auto loan for the month of XX/XX/XXXX. My payment due dates are the XXXX of every month and my payment was made in full on XX/XX/XXXX. I called and spoke with a rep over the phone and she confirmed that the payment was made on time and was not sure why a late payment was on my account and she instructed me to write the " Credit reporting department '' who handles these issues. On XX/XX/XXXX, I wrote them a letter and they responded weeks later that the account is " accurate '' and they are not going to update my account. I have proof that my auto load for that month was in fact paid on time from my receipt of payment made on XX/XX/XXXX. This inaccurate reporting is affecting my credit profile and score and I need credit acceptance to rectify this info and update it correctly immediately upon receipt of this notice.
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

Since Bayview took over the mortgage from XXXX XXXX company in 2018, there have been issues with Bayview not applying payments, adding " fees '' that are not ( in my understanding ) appropriate, and then sends letters stating that I am behind, when I am actually paying based on the figure settled with XXXX ( {$400.00} / month ) plus additional to cover any late fees. In XXXX, just after I separated from employment with XXXX XXXX, Bayview began sending letters stating that I was approximately {$1600.00} in arrears, even though I had had been paying monthly ( again, based on XXXX 's amount ). I viewed my Bayview account online today to see where Bayview actively held some payments, and applied others. Attached are documents showing the payments via XXXX XXXX bill pay, and additional documents ( submitted to Bayview ) showing a hardship that should resolve in the next two weeks ( car accident in XXXX prohibited my gaining new employment whilst receiving chiropractic care ).
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX / XXXX / {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX / XXXX / {$0.00} XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-02-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Newrez LLC dba Shellpoint Mortgage Servicing " services '' a portfolio loan of nine properties I am the managing member of. To date, there are unpaid property tax bills as well as property tax bills that were paid late. In addition, the interest fees incurred, due to their failure to pay the bills on time, were charged to my portfolio loan escrow account.

It is incredibly time consuming to have to double check all tax and insurance payments Shellpoint is responsible for making on my behalf. I had this exact thing happen last year with them. They are clearly not equipped to handle loan servicing for portfolio loans. 

I have attached a copy of the unpaid tax bills and the bills that were paid late. 

I did email them on XX/XX/2022 regarding this matter but I have received no evidence the unpaid taxes have been paid nor a credit being made to my escrow account.

The impetus should not be on me to make sure Newrez/Shellpoint does the job they are being paid for.
Consumer complaint received 2018-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

To whom it may concern I was served a copy from a court settlement debt. This Discover account that's being mentioned in the court ordered judgement is not valid. My Name is XXXX XXXX and I currently live at XXXX XXXX XXXX   XXXX CA. XXXX, my phone number is XXXX XXXX XXXX.I was served a letter from court of XXXX County XXXX XXXX XXXX XXXX CA XXXX. The petitioner is Discover Bank with the case number of XXXX and I as the defendant. I never opened this Discover Bank nor did I ever lived at the address mentioned by them ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX. I tried calling XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX ( DISCOVER ATTORNEY ) but no luck. I was only able to leave a message. Please  help me settle this or correct this mistaken debt collection. 
I could also be reached at XXXX or XXXX XXXX XXXX. 
Thank you and have a great day.
Consumer complaint received 2024-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (MS)

I am not liable for this debt with JPMorgan Chase Bank. I do not have a contract with XXXX XXXX XXXX XXXX. They did not provide me with the original contract as I requested.
Consumer complaint received 2022-02-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

All 3 credit bureaus have a data breach on my report and dark web activity. I am no longer able to dispute or add statements to these bureaus for aged accounts and inaccuracies. This has to be illegal and a violation of my consumer rights. I have disputed several discrepancies and accounts over the course of 3 years. Used several credit repair companies XXXX XXXX XXXX XXXX XXXX and many others to settle and improve over all credit. CFPB has also turned a blind eye to hard working consumers seriously trying to navigate and improve credit where there are obvious errors and mistakes on credit reports holding back millions of Americans their key to financial freedom and credit stability. What can be done to resolve this?
Consumer complaint received 2019-10-06
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

After notifying RESURGENT capital services several times that I, Am being represented by an Attorney, They are still sending me letters about a debt that, I do not owe and is not communicating with my attorney a directed. This is a violation of Federal Law. They are falsely claiming that, I owe {$1000.00} ( Dollars ) concerning the above debt.
Consumer complaint received 2022-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

This morning XX/XX/2022 I woke up and checked my bank statement and saw that XXXX dollars was taken out and used on Venmo ( I have Venmo but didnt send anyone XXXX dollars ) so Im pretty sure my card got hacked
Consumer complaint received 2022-12-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

the accounts in question were found on my most recent credit report where i found them reporting incorrectly : XXXX XXXX Account # XXXX Date Opened XXXXXXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX Date Opened XXXXXXXX XXXX XXXX Balance {$3300.00} XXXX XXXXXXXX XXXX XXXXXXXX, MAXXXX By mail Only XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX Date Opened XXXXXXXX XXXX XXXX Balance {$930.00} XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX XXXX, MAXXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX Date Opened XXXX  Balance {$650.00} XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IL)

US Bank raised the monthly payment and the mortgage without explanation. They did finally give a reason almost 2 years later after numerous error complaints. 

US Bank did not apply payments the day of or the day after submitting payments, including cash, to a local branch. US Bank charged late fees on these delayed payments.

Also, US Bank funneled money into a suspense account without my knowledge where those funds were designated to go toward the principle. US Bank does not pay interest on suspense accounts even though requested.

US Bank began refusing payments before foreclosure. Also, monthly payments were made far more than enough to bring the loan current, between 4 and 9 times monthly payment amount.

US Bank denied a loan modification 3 times without giving a reason even when requested.
Consumer complaint received 2018-08-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc. (CA)

Hi, Thank you for your time in reviewing my case. 

I have just been notified by XXXX that I have 3 different derogatory remark in 1 day for debt that I have 2 years ago. 

The thing is, I was not informed in any way or form that I had debt to settle and it was sent to collection. Since it did go to collection, I was not given the chance to settle the debt before it was listed on my credit report. 

I have contacted the debt collector so that I can settle the debt and have them remove the 3 separare derogatory remark in my credit report. However, they insisted on leaving the report on my account even after offering to pay their 'discounted offer ' of {$56.00} by a female agent named XXXX . 

It is not fair that now my credit is greatly affected even after I were to decide and pay that amount without giving me the chance to settle the debt. 

I have been working hard to increase my credit score for the past 6 months, this will surely hit my score and reduce my chances of getting a mortgage for a house. 

I would really appreciate it if we can work something out so that all parties involved will be treated fairly. 

Again, thank you so much for your time. 

Best regards, XXXX XXXX