davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-25
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. (GA)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2022-05-03
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, and XXXX 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
Consumer complaint received 2018-07-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (MI)

I received an alert regarding a new collection on my credit report yesterday. I looked and it was for Midwest Recovery Systems. I called XXXX  and XXXX right away and filed a dispute. I called Midwest and they tried to tell me it was from XXXX/XXXX XXXX  from XX/XX/XXXX and I was paying on it from XX/XX/XXXX-XX/XX/XXXX from my bank account and my bank verified this. I have called my bank and there is no record of a loan from XXXX. Back in XX/XX/XXXX I had to dispute two accts from Midwest for two payday loans for {$1000.00} each. Now this one is saying its a payday loan in the amount of {$1000.00}. I find the amount from the same place very close and fishy. The two accts were found out to be frauds when i reported them to you and to my credit reports. This is getting ridiculous how they can just fall on your credit report when they are scams. Im trying to rebuild my credit and they keep knocking me down. I have XXXX Midwest REcovery systems and they are known for doing this to people. The lady from Midwest hung up on me last night when i told her this was a scam. They have not tried to contact me via phone or mail regarding this debt. It just showed up on my credit report. I want this removed from my credit report. There needs to be some sort of block for these companies. 

thank you XXXX XXXX
Consumer complaint received 2022-05-03
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: CITIBANK, N.A. (CA)

Citibank sometimes offers " Merchant Offer '' to allow cardholders add to their credit card to earn cash back. I've enrolled XXXX XXXX ( https : XXXX ) and XXXX XXXX ( https : XXXX ) and spent the required money in one order but I didn't get any cash back. 

I spent XXXX at XXXX in one order on XX/XX/2021, spent XXXX at XXXX in one order on XX/XX/2021. 

The {$200.00} pending charge was eventually posted ( spilt by XXXX ) as XXXX charges and the {$50.00} pending charge was split by XXXX to XXXX charges, but that's not my fault. Citibank should honor that. Similar things happened when XXXX had similar promotion, but they honored the offers. 

I contacted Citibank via online chat, XXXX message and mail, but they didn't provide any helpful solution. In the mail I showed the evidence that my purchases were in one order. But they just said my purchase was not qualified. I mailed another one with more evidence, but they have no response. 

What a poor bank service. By the way, I'm a Citi XXXX XXXX, I'm also a XXXX XXXX XXXX. It's very easy to contact XXXX Customer Service via security message and they are always willing to help. While the ancient Citibank Customer Service really sucks.
Consumer complaint received 2018-08-01
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. (CA)

I was trying to apply for a mortgage loan and discovered a fraudulent account with XXXX XXXX XXXX XXXX XXXX account no : XXXX XXXX in my credit report. I filed a police report with XXXX Police Department on XX/XX/2017 XXXX police report no : XXXX ) regarding this fraudulent account and submitted that document to the credit bureaus and XXXX XXXX. The credit bureaus blocked and removed fraudulent account from my credit reports. But recently, I checked my credit report and found out that Experian reinserted the fraudulent account back to my credit report. I contacted with Experian credit reporting agency but they refused to help me to delete fraudulently opened car loan from my credit report.
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TN)

On XX/XX/2021 paypal locked my account with out any warming my tax refund was direct deposited into my account at XXXX for the amount of XXXX paypal has yet to release my account I spoke with three different customer support rep and all three gave different answers one even told me she didn't know why I couldn't transfer my money that the account was not limited like one of the said rep stated before I need my money I'm a single mom and my bills are due this is beyond ridiculous
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Firstly I have great credit XXXX/XXXX score bought new XXXX last year elite credit. Now my score is ruined because of XXXX XXXX. I recently moved to Florida and had to buy everything new for my apt . I had several store card purchases and offers. I do everything online. I did not get the bill sent but I eventually saw an alert. They had an incorrect address. I signed up for auto pay for All the accounts. I selected all accept one that is {$0.00} on the top it did not say that the XXXX XXXX needed autopay to be added. You clearly see that but it was not. I selected before with the others the XXXX XXXX. There is an issue to use the auto pay. This caused me to be late. I received call from them long after it was over 30 days. I said you never sent me an alert that payment was missed. They said they were going to listen to calls and get back to me. They never did and still charged me 2 month of late fees. They saw again in the system that I attempt to do the auto pay XX/XX/XXXX but it would not accept my checking account it finally went through as a savings account and its not this month. I was on the phone over an hour. The last rep said he could see in the system I attempted to do it. Thats why he credited me one late fee. He said only 1 per year hes only allowed. They also XXXX XXXX keep sending bills to my job and I told them stop. They never fix it. Violation of my privacy. I call XXXX XXXX and no one helps me to figure it out or fix it. I have auto pay issues recent for new accounts otherwise I pay always within 30 days. Never over.
Consumer complaint received 2023-01-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising my rights and applying the federal laws put in place to protect me the consumer. On XX/XX/22 a certified notice was sent to Bank Of America in reference of a billing error. Bank Of America failed to clarify the billing error, but instead used XXXX  identity theft with extortionate means for the collection of an extension of credit. Please see attachment.
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

My bank closed my account, they will not give me a reason why, I had direct deposited from the VA for my XXXX payments.I am XXXX XXXX XXXX and disabled.I opened a new account and provided the VA AND SOCIAL SECURITY with my new account number and the routing number. My VA XXXX be moving check was sent to my old bank Chase Bank. The accepted the VA direct deposited and will not let me remove my funds. The told me that I have XXXX card disputes for XXXX dollars the total direct deposit was {$3500.00}. I talked to their claims and told them I offered to close the claims and leave that money in my account.The told last Saturday to come to the bank this morning and get my money. When I got there a spent more than 3 hours they would not give me my money, I explained to them I am supporting XXXX family members and I can not feed them XXXX infants XXXX children XXXX adults. I can not make my house payment, utilities payment motorcycle payment, I don't know what to do they just keep lieying to me, please help me
Consumer complaint received 2022-05-03
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: BANK OF THE WEST (NY)

Ive battled this debt thats been on my credit for over 5 years. Ive never had a Bank of The West account. Police have been contacted and also request it be removed. It has been ruining business and must be removed. Ive requested proof that this is my account and of course it doesnt exist because its fraudulent
Consumer complaint received 2018-02-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A. (NJ)

I have problum with PNC bank auto department. last month XX/XX/XXXX, I call about payoff amount they told me {$14000.00} which they took from my acct XX/XX/XXXX I told them please cancel my auto debt from my acct, They told me we cancel auto debt, XX/XX/XXXX they took {$5000.00} again from my acct, I call pnc bank they told me by mistake we took but we will reemberse XXXX back to your acct today XX/XX/XXXX I call them do you send money but their answer it will take another 7 days to send ck, is it fair when we owe bank they charge interest every day so their mistake we suffer to get our own money
Consumer complaint received 2018-03-13
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: EQUIFAX, INC. (CA)

This is serious. I made a dispute regarding a credit card that should expire XX/XX/2018. XXXX XXXX made a huge error & investigated the wrong card. They left the disputed debt on & removed my oldest card which is in good standing. This dropped my score by 100 points! I am trying to clean up my report not destroy it! Please please help!!!!!! 
I did a lot of disputes & if I accidentally did this one please cancel it! I'm so upset!!!! I'm crying!!!
Consumer complaint received 2022-05-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (TX)

My loan was transferred or sold to BSI in 2018, Ive experienced nothing but inaccurate information from day one. BSI lose payments, escrow, etc when your bank statements show theyve been paid. All of their agents give you different information concerning your account. BSI constantly show your account in default status when your bank show payments have been processed. BSI constantly charge you late fees, NSF fees, property inspection fees, non existing fees to name a few. Ive tried tirelessly to work with this company to no avail. PLS HELP. 

Thank You
Consumer complaint received 2019-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc (VA)

Med Credit took an unauthorized transaction payment from my debit card on XX/XX/19 for an amount of {$370.00} to XXXX XXXX XXXX I contacted my Bank- XXXX and told them that I did not authorize the transaction and the fraud department and myself called the Hospital where we were told that the hospital did not take out the payment, that this was done b y Med Credit and we would have to contact them for more information. When we called Med Credit they didn't provide any information either and said w would have to contact the hospital. no-one we spoke with could provide a transaction receipt or anything else related to the charge. I didn't receive a bill from the hospital for this amount and I never received anything from Med Credit. I have been the victim of Fraud and I would like to take action against XXXX XXXX, Med Credit, and XXXX Doctors hospital. XXXX did not refund the transaction amount and no-one contacted me about the case decision and I had to find out through my online portal that they were denying me a refund. I submitted for them to re open my account and they denied that too. They didn't even offer to suspend my account or send me another debit card to protect me and my funds until I asked them too
Consumer complaint received 2018-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Ive paid my payments on auto pay each month to Shellpoint But I get a notice that my account is past due by 3+ months yet my bank account shows debits fpr payments to the servicer. I log on to the servicer account and see a whole host of unapplied payments that look to be the cause of the issue. I also paid them to catch up an escrow payment and they did not apply that and continue to show escrow as still due. They are robbing me of my money despite payments made regularly, not applying it at all or delayed, and then sending me notice that Im late and implying extra fees to catch it up. Its extortion and theft.
Consumer complaint received 2022-05-03
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. (NH)

Trans Union is reporting a COLLECTIONS debt for unpaid medical expenses. 
One of these was removed, but two remain in the amounts of : 1. {$180.00} ( Date Updated, Payment Received ) I did NOT make a payment on this account. I have no knowledge of this account. 
2. {$200.00} ( Verified as Accurate ) I have no knowledge of this account. 
I disputed these debts for the following reasons : 1. I had no knowledge of the debt.

2. The company, MBA Law, never attempted to collect the debt from me.

3. The debt does not match anything under my medical bills in the amount or date. 
4. I have paid my medical debt or I am paying I'm accordance to a plan.

5. This has been added as a collections account to my credit report without the 180 days delay in reporting in accordance to the 2016 Credit Reporting Act.

6. MBA Law has not provided proof of this debt belonging to me.
Consumer complaint received 2019-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc. (FL)

On XX/XX/XXXX, I was in an accident and sought medical care. My insurance company, XXXX was informed of the incident soon thereafter. I received a letter dated XX/XX/XXXX ( attached ) from XXXX stating that they were unable to pay the medical bill due to " untimely submission ''. 

On XX/XX/XXXX, the Collection Information Bureau , Inc., a debt collection agency, sent me a letter ( attached ) stating that I was reponsible for the amount of {$230.00} owed to XXXX XXXX XXXX. I responded to that letter on XX/XX/XXXX via a letter ( attached ) disputing the claim that I owed any debt as it was my belief that it had been paid by XXXX. Despite that, I received another letter ( attached ) from Collection Information Bureau , Inc. confirming receipt of the aforementioned letter and again asking me to pay the amount of {$230.00}. 

I feel that this is constant harrassment for an alleged debt that I do not owe, and the Collection Information Bureau , Inc should contact XXXX and stop contacting me.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please remove hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

On my XXXX report this doesn't appear, I have the same creditor and they are charging me from 3 different companies.And the amount keeps getting higher. Can this be done? Because i have read on your page it is called double jeopardy. I had insurance. And if my insurance did not pay i was not aware of it. 

COMMONWEALTH FINANCIAL SYSTEMS Last reported : XX/XX/2018 {$1800.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$1800.00} Highest Balance {$1800.00} Opened XX/XX/2018 ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$1000.00} Highest Balance {$1000.00} Opened XX/XX/2018 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX  XXXX XXXX XXXX XXXX XXXX XXXX COMMONWEALTH FINANCIAL SYSTEMS Last reported : XX/XX/2018 {$940.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$940.00} Highest Balance {$940.00} Opened XX/XX/2018 ( 1 mo  ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

on XX/XX/2020, I filed a dispute with the Equifax about two unverified accounts XXXX XXXX Account # XXXX and XXXX  XXXX Account # XXXX. on XX/XX/2020, I filed a No Response Regarding Disputed Information After 30 Days notice to Equifax as well! In those two months, I have asked numerous times for a response and I have not received anything from this credit bureau in over 30 days which is a violation of the Fair Credit Reporting Act. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these two unverified accounts as of today and I am asking for the deletions of these two accounts. Thank you for your cooperation!
Consumer complaint received 2018-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (CA)

I fell behind on my mortgage about 9 months ago due to a decrease in my income as I am a small business owner. Unfortunately it was difficult for me to get caught up but now I am in the position where I can confidently pay my mortgage and have the support I need. My loan was transferred to M & T Bank and they never reached out to me to offer me help, they never assigned a specialist to my loan or attempted to inform me that there are alternatives to foreclosure, I found this out by doing my own research online. I feel as though I was treated unfairly and that my rights have been taken away from me as a homeowner.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (PA)

I contacted chime to dispute unauthorized charges. There are 3 separate disputes as they said to call them when pending charges cleared because they cant dispute pending charges. Within less than 24 hours one dispute was closed and denied. Within 3 days the other 2 disputes were closed and denied. I did not make these transactions but they keep saying that no error was found in their system. The transactions total over {$10000.00}. They have made it so I cant reopen one claim due to disputing it more than twice. I am caught in a loop and they will not return the funds that I did not authorize.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, EQUIFAX AND XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ( Late/Closed : XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; Charge off : XXXX XXXX Balance Owed : {$340.00} ; Collection : XXXXXXXX XXXX XXXX XXXX Balance XXXX : {$90.00} )