davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Profit Services Group (GA)

On XX/XX/2019, I answered a phone call from Mr. XXXX. From Profit Services Group, XXXX Georgia. Mr. XXXX said I owed {$58.00} for a XXXX   from XXXX XXXX. I told him I would pay that. I ask if there were any other bills, they were from a accident, that has not been settled. He had three bills. I ask Mr. XXXX to send me the other bills, to make sure they were mind. Mr. XXXX told me the bills were {$130.00}. Said he had two addresses. On XX/XX/2019, I checked to see if Mr. XXXX paid the {$58.00}. Mr. XXXX took {$130.00} from my account without VALIDATION OF DEBT. 
I called Mr. XXXX on XX/XX/2019. To tell him, he DID NOT SEND me the bill 's he said I owed. And you took money from my account, you DID NOT have PERMISSION to do. Without Validation of Debt. 
Mr. XXXX still has not sent me proper prove of Validation Of Debt. 
I gave him permission to pay {$58.00}. Not {$130.00}. The bills I have found do not equal {$130.00}. The bills were only {$120.00}. The bottom line is, this is stealing money from my account without permission. 
Mr. XXXX said our message was recorded. I told him twice. You are gon na take {$58.00} from my account and send me the other bills.
Consumer complaint received 2019-06-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (PA)

On XX/XX/2019 i applied for a loan with XXXX XXXX  for a used vehicle they approved me for XXXX at 24 % interest i live in pa XXXX county went to XXXX XXXX with my paperwork from XXXX XXXX   they really tried to help me but said that in the state of pa a car loan cant be any hirer then 21 % they contacted XXXX XXXX and told them that and XXXX XXXX said they are allowed i also contacted XXXX XXXX told then that tried to get them to comply with state law they said they were allowed because it was a direct loan but XXXX got legal advice and was told was not legal this needs to be investigated how many people out there in pa are paying 24 % if it is illegal people are being prayed upon by this company please let me know if its legal or not I canceled my loan i really needed help with a vehicle loan
Consumer complaint received 2023-03-21
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GAMACHE & MYERS, PC (MO)

In or around XXXX, I was sued for a debt originating with XXXX XXXX for approximately {$8300.00}. I did not know that I could dispute the debt and started making payments. XX/XX/XXXX I stopped payments to try to resolve with original creditor. No further communication from debt collector, Gamache & Myers. On XX/XX/XXXX, my employer received a garnishment for this debt. 

XXXX ) I have zero record of XXXX XXXX trying to collect on this debt before it was sold to a collector. 

XXXX ) Debt is for defunct XXXX XXXX XXXX XXXX XXXX for profit college that closed in XXXX. I have no way of knowing what this debt is for even though all other monies for tuition have been paid. 

XXXX ) I have asked for debt verification and information regarding what the debt is, etc. from Gamache & Myers via phone and email without response. 

XXXX ) In XXXX, there was a class action settlement against XXXX XXXX XXXX parent company and I believe this debt was sold specifically for the purpose of avoiding settlement.
Consumer complaint received 2019-07-10
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. (CA)

On XX/XX/19I paid {$29.00} to my credit monitoring account to review all three credit bureaus and became aware that there were significant fraudulent accounts on my credit reports. After reading my rights as a consumer in the Fair Credit Reporting Act, I typed and signed a dispute letter accompanied with an Identity Theft Affidavit by the Federal Trade Commission as well. I sent all three letters and their contents to all credit bureaus, XXXX, XXXX  and Trans Union on XX/XX/19and I confirmed all three bureaus received them on : XXXX  Tracking : XXXX Delivered XX/XX/XXXX, Trans Union Tracking : XXXX Delivered XX/XX/19and XXXX  tracking : XXXX XX/XX/XXXX delivered. I know I have to give the credit bureaus legally 30 days to investigate and process, however it is now XX/XX/XXXX ( 40 days since the credit bureaus received my packages ) and I paid another {$29.00} to my credit monitoring accounts only to discover that NONE of the disputed accounts have been removed from my credit. I am writing to the Consumer financial protection bureau to assist me on this issue and correct it as soon as possible.
Consumer complaint received 2019-07-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION (AL)

Since the beginning of this year, Regions bank has deducted {$5700.00} in fees from my accounts which I feel have been excessive. I fell on some hard times financially and I admit that my accounts got overdrawn. However, over {$5000.00} in fees has caused me to keep being overdrawn thereby causing additional fees. It is a viscous cycle that I have no way to rectify. I am on a XXXX  income from Social Security and can't put enough money in my accounts to overcome the {$5000.00} + in fees. 

I have called customer service, written a letter to the bank, complained on their messaging system and they have given me token refunds ( {$400.00} ) which does not address the real problem. If I continue to get fees, I will continue to be overdrawn. If I had the $ 5000+ in  fees back in my account, I would obviously not be overdrawn. I feel Regions is being unfair to me and is not willing to address the real problem.
Consumer complaint received 2017-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America has closed ALL of our accounts including  Checkings/Savings/Credit Card  with out ANY ex planation. When I called them - they said that this information can not be disclosed. All of our reward points are voided, some checks we written out will be cancelled and we will acquire late fees. Our credit report has gone down already.  <P/> After searching the internet - I found MANY similar cases other people  encountered. I smell SCAM.   XXXX   XXXX   XXXX    Please help! This is ridiculous customer service and they call themself - Bank of America!???
Consumer complaint received 2019-10-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (CA)

I have contact Aargon Collection I have asked that they remove this from my credit report. They stated that I have to pay them. I have never heard of them and suggested that they go after my insurance company because I have insurance, I was told to send a letter from my insurance company stating that I was covered, I did and I dispute the charges off my credit report, it was taken off one of my reports but not the other they're trying to fight it. I have never signed a contract with them I don't know who they're. I was hospitalized at XXXX XXXX but not Aargon and it's violating my HIPP act at this point. I don't know them and they're refusing to remove the account off my credit report. How do you remove it off one and fight the other. I don't know these people.
Consumer complaint received 2019-10-10
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 (NJ)

In Response to CFPB Complaint # XXXX and Capital One Case # XXXX Back on XX/XX/XXXX, XXXX called me and said she was going to dig deeper into my case, and that not to worry because she actually handles cases such as mine ... She clearly didn't dig deeper. And digging deeper wasn't even necessary because the proof was right there in the transcripts, clear as day. A 12 year old could see it. That's why I paid XXXX dollars for them ... XXXX ... No, she's not an XXXX. She can see what happened, she's not XXXX ... She just doesn't wan na cough up the XXXX XXXX. She can't make the attorney pay it, because apparently it's been too long now as the previous agents handling my claim took too long ... She even said to me over the phone back on XX/XX/XXXX ( and Capital One is more than welcome to bring up that phone call XXXX -- " It seems as though someone mishandled your claim. If it was too late for them to open up a disputes case, then they should have told you that from the onset and never opened up the dispute to begin with. So if that's what happened then they need to pay for it. " ... Okay.. Sooo.. Whatever happened to that?!?? Make them pony up the dough and pay the XXXX XXXX. Don't make me suffer!!! Nope, just back to saying the same thing they've been saying for months and months now ... These people are monsters. They do nothing but string people along.. Sick and tired of it!!!
Consumer complaint received 2019-10-10
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. (FL)

When requesting my annual credit report, I asked In what State a XXXX XXXX Lived? 
I have never met XXXX XXXX! This coupled with a significantly lower credit score than XXXX. Has me very suspicious. I have not missed a payment in years and all credit card balances are automatically paid in full each month other than ones that have extended no-interest loans for a predetermined period.
Consumer complaint received 2022-05-06
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: EQUIFAX, INC. (CA)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2019-10-10
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. (NV)

I had my mortgage payment setup to automatically send from my bank to the mortgage company XXXX XXXX XXXX on the XXXX of every month. In XXXX of 2018 my mortgage payment changed because the property taxes changed. This caused my mortgage payment to increase. However, because XXXX XXXX XXXX had purchased my Loan from XXXX XXXX XXXX I wasnt correctly receiving notifications of these changes to my mortgage as they were not sending me the statements. Additionally, they were supposed to be sending me emails but they werent. This resulted in my underpaying on my mortgage account on XXXX 2018 because I didnt know to update the automatic payment I was sending. When this happened XXXX XXXX XXXX reported a 30 Day late on my credit. As soon as I became aware of this I paid the mortgage account current, When working with XXXX they refused to take responsibility for the failure to notify me of the change in my mortgage payment and refused to remove the 30 day late from my credit. I have attempted several times to dispute the 30 day late without success. This was not a 30 day late, the payment was made, but the payment was short because of XXXX failure to notify me of the change in payment amount. The account has since been paid in full and closed, and XXXX is still refusing to correct this error on my credit that was a result of their negligence and failure to notify me in the changes to my mortgage account. I had full intentions of paying for the mortgage and had I been properly notified of the change the payments would have never been short.
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I constantly check my credit report and noticed that errors and false misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time time. Im demanding CFPB to enforce the corrections and or deletion of these items
Consumer complaint received 2019-07-10
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. (CA)

On XX/XX/XXXX I paid {$29.00} to my credit monitoring account to review all three credit bureaus and became aware that there were significant fraudulent accounts on my credit reports. After reading my rights as a consumer in the Fair Credit Reporting Act, I typed and signed a dispute letter accompanied with an Identity Theft Affidavit by the Federal Trade Commission as well. I sent all three letters and their contents to all credit bureaus, Experian, XXXX and XXXX XXXX on XX/XX/XXXX and I confirmed all three bureaus received them on : Experian Tracking : XXXX Delivered XX/XX/XXXX, XXXX XXXX Tracking : XXXX Delivered XX/XX/XXXX and XXXX tracking : XXXX XX/XX/XXXX delivered. I know I have to give the credit bureaus legally 30 days to investigate and process, however it is now XX/XX/XXXX ( 40 days since the credit bureaus received my packages ) and I paid another {$29.00} to my credit monitoring accounts only to discover that NONE of the disputed accounts have been removed from my credit. I am writing to the Consumer financial protection bureau to assist me on this issue and correct it as soon as possible.
Consumer complaint received 2022-05-06
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXand account name XXXX 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 2019-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOUTHWEST COLLECTION SERVICES INC. (CA)

XX/XX/XXXX or around I started to receive debt collection calls from a company stating their name was Southwest Collections, this company advised me that I owed on ambulance bill for a XXXX  emergency ride in XXXX. I informed them that I have never been in an ambulance, after going back and forth with the representative, she decided to inform me that this was a Joint account that I am on. I informed that I am not a joint on anything and also I dont even believe you can have a joint ambulance bill. They refused to advise me who was on this joint account, either way I know this is not a bill I am responsible for, after disputing over and over with this company and going back and forth they have fraudulently added this to my credit, this is causing me extreme hardship, having a bill on my credit that does not belong to me. I disputed this with all 3 credit bureaus, however the information remains. I dont believe investigations are being done, this company should not be able to fraudulently list someone as a joint owner just to get an account paid.
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019, I made a purchase on Amazon and I thought I paid thru my XXXX account. I didn't realized that it was paid thru my Chase credit card. I never received any billing statement from Chase credit card for 3 months until I found out when i was buying a house. They submitted a late payment on my credit report for {$25.00} which made my fico score dropped 25 points to XXXX. I am currently in escrow and my loan will be denied if credit bureau didn't reverse the late payment record. Reversing the late payment record on my credit report will put my score back to XXXX. It was only for {$25.00}. This home purchase is a big dream for me because I saved my hard earned money for many years and established my credit. I called Chase and they didn't want to give me a letter stating that I was never really late. All I needed is a letter from them so that the credit bureau will reverse the late record. 
I am asking the help of CFPB to set the record that I never had a late payment. 
All I needed is a letter from Chase stating that I was never late, that it was not my fault.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Dear Credit Bureau, I recieved a copy of my credit report and i have found the follwoing items listed below to be in error. These accounts are listed with late or missed payemnt and that is incorrect. the follwing accounts wer NEVER late and should be listed as PAYS or PAID AS AGREED. 


XXXX XXXX XXXX XXXX ACCOUNT # XXXX I was Never Late on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) on this Account Please Update the account as PAID/CURRENT. 



By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinventigation with 30 days of receipt of this letter. 

Please send an updated copy of my credit report reflecting the requested changes. 

Thank you for your helping this matter, XXXX XXXX
Consumer complaint received 2019-07-10
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. (CA)

( Social Security Administration ) a credit account that was showing as a positive and paid in full, up to date account on experian, XXXX XXXX, and XXXX credit reporting bureaus, was either fraudulently disputed by another person other than myself, unauthorized, ... or was incorrectly removed/deleted via and by the credit bureaus who provided this information pertaining to this credit account, experian, XXXX XXXX, and XXXX, whom initially listed this account onto my experian, XXXX XXXX, and XXXX credit report files, however, I had not done this myself, as it was showing a positive and paid account proving my credit worthiness in paying it off with no issues. Now, due to this unauthorized, negative, removal, dispute, or deletion of this account, and being that I have no deragatory remarks on my credit reports whatsoever, I am not emitting a FICO score of ANY kind, or it is so low ( an 8 ) that i am unable to apply for credit in the least amount, had this one positive not been removed from my credit file and reports. ( Social Security Administration account # XXXX XXXX.
Consumer complaint received 2019-07-10
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)

( Social Security Administration ) a credit account that was showing as a positive and paid in full, up to date account on XXXX, trans union, and XXXX credit reporting bureaus, was either fraudulently disputed by another person other than myself, unauthorized, ... or was incorrectly removed/deleted via and by the credit bureaus who provided this information pertaining to this credit account, XXXX, trans union, and XXXX, whom initially listed this account onto my XXXX, trans union, and XXXX   credit report files, however, I had not done this myself, as it was showing a positive and paid account proving my credit worthiness in paying it off with no issues. Now, due to this unauthorized, negative, removal, dispute, or deletion of this account, and being that I have no deragatory remarks on my credit reports whatsoever, I am not emitting a FICO score of ANY kind, or it is so low ( an XXXX ) that i am unable to apply for credit in the least amount, had this one positive not been removed from my credit file and reports. ( Social Security Administration account # XXXX ).