davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CT)

XXXX XXXX XXXX claims I owe XXXX to XXXX, this amount was paid prior via a XXXX XXXX money order which was mailed several weeks ago. It appears payment was either lost in the mail or credited to incorrect account, I do not have receipt to show it was cashed as payment was sent several weeks ago and the receipt subsequently discarded. Also, I have not received payment from XXXX for a claim I filed while I had coverage, I believe the amount owed to me is over 300. I think it is absurd to expect payment when they have not paid me for my claim. In closing, please advise CCS of this information and I'd also like to confirm they are the in house collection agency for XXXX XXXXl.. Several XXXX XXXX   reps have stated that CCS is their in house collections agency and I do not believe this is true for several reasons. First, CCS lists a different address and number than XXXX XXXX. Second, I know other companies use CCS for collections such as XXXX and XXXX. It appears the reps I spoke with lied in order to claim they are owed on prior policies which are either several years old, invalid as they were supposed to have been canceled prior to additional coverage, sold off to CCS.
Consumer complaint received 2018-09-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (IL)

I first Contacted this company XX/XX/2018 to validate the debt. i received a letter back dated XX/XX/2018 that this company will obtain the requested documents and if it cant be done in a timely manner they will cease any further collections. as of XX/XX/2018 which has been over 30 business days and the proper validation has yet been received.
Consumer complaint received 2022-07-08
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-08
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. (MI)

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
Please see below the summary of the accounts that are needs to be correct or update immediately. 
DPT EDXXXX XXXX XXXX {$11000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$3100.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$18000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$2100.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$10000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$5600.00} XX/XX/XXXX DPT EDXXXX XXXX XXXX {$8000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$4200.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$940.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$6900.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$10000.00} XXXX XXXX, XXXX DPT EDXXXX XXXX Balance {$6200.00} XX/XX/XXXX DPT EDXXXX XXXX XXXX {$16000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$14000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$6200.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$4100.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$3400.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$11000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$25000.00} XX/XX/XXXX XXXX
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank (FL)

Dear, Today XX/XX/2019 on XXXX I just got off the phone with a disrespectful Supervisor at XXXX XXXX  named XXXX . 

We had been aproved for a XXXX XXXX in XXXX and only needed to send XXXX XXXX proof of my identity. 

On XX/XX/XXXX I spoke with a XXXX XXXX  phone rep who provided me with what she told me was the XXXX XXXX XXXX XXXX XXXX which I needed to send my paperwork to. However, this address was wrong and we received the envlope with our paperwork returned to us by USPS XX/XX/XXXX. 


We called XXXX XXXX on the XXXX and were told to resend the paperwork to another address. 


XXXX XX/XX/XXXX we called XXXX XXXX again and spoke with the above XXXX XXXX. He behavior was awful, disrespecting us by playing a dodgy game. Every time I would mention that we had been given the innaccurate address by a rep from her Dpartment oon the XXXX of XXXX she would completely ignore this fact, or even XXXX in interrupting me mid speach to repeat that we had been given an address by a different department on the XXXX. She had no desire to show XXXX XXXX 's customers any respect, help resolve the issue in any way, nor admit any fault by her depart whcih she is overseeing in any way. No help was provided by her as she had no desire to admit or help with our problem caused by one of her staff.
Consumer complaint received 2022-07-08
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. (GA)

XXXX and TransUnion is reporting inaccurate information to my credit report for the following account. 

XXXX XXXX XXXX - ACCOUNT # XXXX Inaccurate information : Late Payment ( XX/XX/XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX ) I have contacted both Credit Bureaus with request to " delete inaccurate information ''. The creditors response was they have " verified '' and " updated '' the information. However, according to my credit report, the information was never verified nor updated. 

Please see attached files photo copied ( Screenshots ) from their respected website on XX/XX/XXXX. It will show that the account has not been updated since XX/XX/XXXX. 

The creditors are in violation of my consumer rights under the FCRA 15 U.S.C. 1681 - U.S. Code in which the credit bureaus must report accurate, verified, and complete information. 

This violation includes negligence, willful noncompliance, and defamation inhibiting my ability to obtain credit.
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (GA)

in XX/XX/XXXX I paid Citi bank {$1400.00} on a credit card account which had a credit limit of {$3000.00} within days of receiving the payment they cut my credit limit by {$1300.00} saying XXXX credit report had bad information on it. I contacted XXXX and sent in disputes on the report. 
This month XX/XX/XXXX i paid Citi a payment of {$250.00} and they again have cut my credit limit saying XXXX has a bad credit report on me. In XX/XX/XXXX maybe XX/XX/XXXX Citi denied me a credit card with Home Depot saying XXXX had bad reports on my report using that information i filed disputes with XXXX. In XX/XX/XXXX my wife of 32 years left me and then filed a divorce in the state of Michigan which was final in XXXX of XXXX. This is why the bad marks have appeared on my credit reports. 
I have never missed or been late with any payments with Citi bank and i am proud to think that i have done so. Citi needs to revisit things Thank you
Consumer complaint received 2018-09-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

For as long as I can remember I've had a direct debit for {$100.00} setup on my student loan. My loan was recently switched over to Navient to be handled and since then I have had issues. I noticed that my XXXX payment amount was different than what had normally been withdrawn for my direct debit. I had not authorized or requested any change in my direct debit amount so I was concerned and called Navient several days after to see what was going on. I was told that they had changed the amount to 'better match when my final repayment date is set for so that the loan would be paid off by then final date '. I was told that the direct debit amount would be changed back to the previous withdraw amount. Then I receive an e-mail on XX/XX/2018 saying it's a reminder that my monthly payment is due soon and reference the dollar amount, which is still incorrect!!! I again call Navient to see why my direct debit amount was still incorrect/not changed back as I requested and was told that it WAS fixed & that I could ignore the e-mail as the next withdraw would be the correct amount, as requested. I asked him to e-mail a letter with this information as confirmation. The letter I received STILL HAS THE INCORRECT INFORMATION IN and NOW HAS A WRONG DATE OF WITHDRAW. And now my XXXX payment has come out and IT IS STILL THE WRONG AMOUNT! I am extremely frustrated and upset as I can not believe this even happened in the first place, let alone that I am still having to deal with it and that IT IS STILL NOT RESOLVED/CORRECTED!
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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  This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ;
Consumer complaint received 2018-09-11
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. (OR)

in XX/XX/2018 I noticed an item pop up on my Transunion credit report for XXXX XXXX XXXX, i called them on XX/XX/18 and spoke with XXXX who I informed this loan was fraud and that I did not open this account. He told me they sold this now debt to XXXX XXXX XXXX XXXX and said that they no longer have any documents with information about this loan. I can not get ahold of anybody at XXXX XXXX. 

On XX/XX/18 I sent a certified document to Transunion disputing this item on my credit report. I explained to them that this was fraud and placed a fraud alert on all 3 bureaus for this. I explained to them that unless they verified and validated this item per the FCRA that they can not list this on my credit report and would be breaking the law. 

On XX/XX/18 at XXXX I called Transunion to discuss the letter they sent me in the mail in response to my letter i sent. The rep i spoke to said that Transunion " validated '' XXXX XXXX XXXX, I was transferred to a supervisor since the rep couldnt help me. I explained to the rep under the FCRA that they can not list any collections from a collection agency unless Transunion has physical documentation such as a signed contract. She admitted that they do not keep records of collection agencies alleged proof of debt and I told her then that is not legal to list any of this w/o this documentation. I also informed her that this is fraud and my identity has been stolen and so this should be removed just based on that. She informed me that XXXX is still pending based on the docs I sent to them. Estimated completion is not XXXX which what the letter they sent me states, she said estimated completion is XX/XX/XXXX. 

I sent Transunion screenshots from the Oregon DFR which regulates licenses for collection agencies and companies who conduct loans. XXXX XXXX XXXX do not have a license to conduct business in Oregon. Even after all of this proof I sent Transunion that this is fraudulent on several different levels, they still came back and said this item is verified and will not remove it from my credit report. I tried disputing it again on XX/XX/18 and was told that Transunion does not have the ability to remove items and that the company or the collection agency has to inform the credit reporting agencies to delete an item. This is false information and not true, they absolutely have the ability to delete fraudulent and inaccurate items from anyone 's credit report. I filed complaints separately for XXXX XXXX XXXX on the Oregon DFR, the CFPB and filed an identity theft report with the FTC.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a customer of Bank of America for years and recently My identity and card was stolen and major fraud was committed on my account. Someone stole over {$7000.00} on XX/XX/XXXX, using my debit card that was stolen along with my phone. I reported the fraud immediately to the bank on XX/XX/XXXX once the transactions posted and a bank was open as my phone was stolen and i couldn't call, and with it being a holiday on XX/XX/XXXX all banks were closed. and to police on XX/XX/XXXX and the bank denied my claim without proper investigation or even requesting my evidence in 2 days of me making my intial claim on XX/XX/XXXX. So i called and requested my claim be reopened on XX/XX/XXXX and sent in documents, and you know what they did. They denied my claim again without telling me why or proper investigation after 2 days again on XX/XX/XXXX. How is 2 days enough time for an investigation of Fraud. what is the point of banking with a bank that " supposedly '' protects you from fraud and says they give 0 liabilty due to fraud yet won't even take due dillegence or time conduct a investigation to fraud. I couldve swore bank account fraud protection is addressed under Federal Reserve XXXX XXXX. So i had to call and request my claim be reopened again on XX/XX/XXXX, and you know what the supervisor told me, " What we would need is a police report to reopen the claim '' I had already sent in that information days ago. So that means someone denied my claim without even looking at the documentation i had sent in. Unprofessional. Now its been a week and still no update and a representative told me it ould be weeks before my claim is even " reconsidered " to be reopened and the funds stolen possibly credited back not within the 10 days advised by XXXX XXXX I have bills and XXXX XXXX that i a have to take care of and my supposed bank chose not to protect or help its customer and is now telling me that it wont even credit the funds after they failed to perform a proper investigation. This is extremely unacceptable and i believe its time to find a new bank.
Consumer complaint received 2019-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (NY)

I contacted Cavalry Portfolio Serv by mail about a collection that appears in my credit report they responded back with a screenshot of an online photo about an account I don't know nothing about this account. This is the details that show in my 3 bureau credit report. 

Account Name : Cavalry Portfolio Serv Account # XXXX Original Creditor : XXXX XXXX Account type : Collection Date Opened : XXXX XXXX Account Status : Closed Payment Status : Seriously past due date / assigned to an attorney, collection agency, or credit grantor 's internal collection department. 
Status Updated : XX/XX/XXXX Balance : {$4400.00} Balance Updated : XX/XX/XXXX Original Balance : {$4400.00} Past Due Amount : {$4400.00} Terms : 1 Month Responsibility : Individual
Consumer complaint received 2018-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I rented a car from XXXX on XX/XX/2018. On Friday XX/XX/XXXX I called XXXX Local Branch XXXX and verbally told them not to authorize payment on card XXXX. On XX/XX/2018 I cancelled the debit card ending with XXXX. On XX/XX/2018 There was a forced debit. over 1200 of unexplained charges. 

XXXX had verbal authorization not to use my bank account. Called Car Return and Notified Manager. Forced hard debit over 1200 on my closed debit card. That transaction was not authorized.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-03-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

On XX/XX/XXXX, I refinanced my auto loan from Nissan Motor Acceptance XXXX to the XXXX University XXXX XXXX XXXX ( XXXX ) A payoff check from XXXX was paid off to Nissan in the amount of {$10000.00}. I inadvertently submitted a " Bill Pay '' from my checking account with the XXXX XXXX XXXX covering my loan payment of {$250.00} on XX/XX/XXXX. I called Nissan to inquire about my overpayment and asked to be reimbursed for the excess payment, and they told me I would receive a check within 10-15 business days ( from XX/XX/XXXX ) On XX/XX/XXXX, I still did not receive the check. I called Nissan again and was told that the check was rejected and sent back to the XXXX XXXXXXXX XXXX. On XX/XX/XXXX I went in person to the XXXX  XXXX XXXX branch in XXXX, Massachusetts, and they confirmed that the check had not been returned to the bank or to my account. They also confirmed that Nissan cashed the check of {$250.00}, and the funds were withdrawn from my account. I have tried calling and emailing Nissan several times and as of today, XX/XX/XXXX I have not received my overpayment reimbursement of {$250.00}. I am attaching documents and correspondence.
Consumer complaint received 2022-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 I purchased a sectional from XXXX XXXX in XXXX Ca. I used my debit card to pay for the Item. On the same day my account was comprised by XXXX. On XX/XX/2022 a XXXX transaction of {$2000.00} was deducted from my checking account on XX/XX/XXXX, another transaction was made in the amount of {$2000.00} on XX/XX/2022 a total of 4 more charges were made in the amount {$2000.00} to XXXX. The name of the recipient was lucychurchill dispute. I informed the bank of these fraudulent charges and they reversed the charges but later withdrew the amount back out of my account. On XX/XX/XXXX, more fraudulent charges were allowed to go through to handyman.com in the Amount of {$380.00} and also a amount of {$250.00}. Its quite obvious that my account was comprised but Chase continued to allow these charges to go through. I never authorized these transactions.
Consumer complaint received 2019-04-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (TX)

2nd CFPB Claim : To whom it may concern : I have tried to close my loan via short sale. I continue to submit offers to US Bank Corp, however, HUD and US Bank continue to deny it because the appraisal that was submitted is much higher than what the homes are selling for in my neighborhood. 

I have submitted a reasonable offer for which they continue to reject it. The difference in the amount they are willing to approve is only {$2000.00}. They misquoted the sale price for the surrounding homes by over {$5000.00}. My deadline is XX/XX/2019, to submit an approved offer, which then either forces me to foreclose on my home and/or have to submit for a deed in lieu. I don't understand the logic behind this or if it is categorized as a deceptive business practice under the law and subject to fines and penalties whether done intentionally or unintentionally. 

As you know, I have been working on this file for several months and truly need the CFPB assistance. 

Thank you, XXXX XXXX XXXX