davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
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. (IL)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9, 10 and 11 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FC HoldCo LLC (FL)

The debt is with flagship acceptance I had a auto loan with them few years ago which ended on XX/XX/2015 the debt was sold to XXXX XXXX XXXX, XXXX XXXX then sold the loan back to flagship this needs to be deleted from my credit report XXXX XXXX has been deleted but flagship is still showing i filed a complaint with XXXX they wrote me stating i need to contact them for the removal of this on my credit report its showing as negative when it should say deleted like it says for XXXX XXXX
Consumer complaint received 2022-09-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NV)

I had made payments to XXXX XXXX XXXX  and after my last payment in XX/XX/2022 they sent my account to a collection agency for a balance of {$100.00}. I was not notified of this and every time I attempted to contact XXXX, I either received a message that their office was closed, they were at lunch and was unable to pay via phone because their system is faulted. When I finally did reach them, I was told that my account was sent to Transworld Systems Inc. collection agency. I have never received any communication from them. When I contacted the collection agency to pay the final {$100.00} of my balance, I sat on the phone for an hour waiting for them to find someone to take my payment. Transworld Systems Inc. would send me over to XXXX and XXXX refused to accept my payment. Both Transworld Systems and XXXX XXXX XXXX refused me the opportunity to submit a final payment of {$100.00} and neglected to accept my payment.
Consumer complaint received 2022-04-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP (NE)

Called Perdue Brandon Fielder Collins & Mott LLP and tried to change my address so that they stop mailing letters to my old address and annoying those tenants. They can't find me in their system and they refuse to help me. I couldn't even pay the debt if I wanted to because they can't look me up. They've been mailing me letters for 20 years now for a trumped-up ticket in XXXX XXXX that I've tried unsuccessfully to settle multiple times. Stop harassing me!!
Consumer complaint received 2018-02-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

In 2016 my mortgage was sold to Carrington Mortgage Services. The online interface for Carrington frequently lags behind, is regularly incorrect, and they do not provide any notifications about activity on your account. 

When I attempted to set up recurring payments online, the account told me that if I signed up it would cancel any outstanding payments. It turns out that they did not cancel my payments, and as a result I had multiple payments taken out of my account in the same month, putting me in great financial and emotional distress. To stop this from happening I put a stop payment order on the account from my home bank account. When I attempted to pay the mortgage the next month, I mistakenly left the stop payment on my checking account, causing the payments to not make it to Carrington.

Carrington has responded by banning me from making online payments for a period of time, but didn't tell me until the payment by mail was guaranteed to arrive after the 30 day period I have to make my payment. This has resulted in my credit score going down, I have to pay an extra cost each month so that I can physically mail a check, and this makes it much more difficult for me to pay my mortgages on time as I have to verify online and over the phone every month that they have received the check. 

I feel that by selling my mortgage to a company that actively makes it more difficult to pay my mortgage, I have been put at a significant disadvantage than I was at during the original agreement.
Consumer complaint received 2024-03-26
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (IN)

I received a {$200.00} pre-paid vanillaGift gift card on XX/XX/2023 and attempted to use it 2 days after on XX/XX/2023 and the card was declined. Confused, I checked the balance and transaction history and observed that on XX/XX/2023 XXXX EST every last cent of the {$200.00} dollars was siphoned instantaneously in one transaction that I did not make or consent to. I then opened a dispute case with VanillaGift through their customer service webpage and was told " The entire cycle can take 45-90 days ; however, most cases are resolved before then. '' And after waiting over 90 days the estimated date of review just keeps getting pushed back and my case is being pushed aside. This treatment of customers is utterly outrageous and will not be tolerated.
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (NM)

Sent to Debt collector I am following up after receiving your letter. It does not show that they responded to my request for an itemization of debt. The original information they sent also did not have the actual debt amount, minus any credits attached. They did not provide me with accurate and required information/documentation. They sent me the collection notices on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, according to the picture XXXX provided of the email transactions. 

The CFPBs debt collection rule requires debt collectors to provide you with certain information about your debt, known as validation information. Generally, this information is provided in a written notice sent as the initial communication to you or within five days of their first communication with you, and it may be sent by mail or electronically. 

This information will help you recognize whether the debt is yours and, if not, how to dispute it. 

This notice generally must include : A statement that the communication is from a debt collector Your name and mailing information, along with the name and mailing information of the debt collector The name of the creditor you owe the debt to It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt I responded on XX/XX/XXXX saying this is the first notice of anything owed. I need an itemized invoice of the damages youre claiming. 

I responded again on XX/XX/XXXX saying Again, I need an itemized invoice of the damages you are claiming. I asked this in response to the first email you sent me a few days ago. 

No itemization provided proving I owed debt, nor a way to dispute debt was proved within 30 days of me requesting debt validation. 

XXXX sent a itemization on XX/XX/XXXX, 8 months after I initially requested the information. 

I need validation of the them sending me debt validation within 30 days of my initial request. 
Said debt validation will need to show that it had the full amount owed, what was owed, minus any credits and all additional information requested above.
Consumer complaint received 2022-04-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (TX)

The American Express bank, WILL Not let me into my savings account, because of a Canceled unpaid American Express XXXX Credit Card, That was supposed to be reported lost and or stolen, so that I can still access my savings account. The customer service Person on the phone say 's that the account has been closed and refuses to allow me the credentials needed to login to the account. I tell them can I take money from my savings and pay the canceled credit card that way, just to be fair? And they still act like they can not even do that because they may or may not really work for American Express. 

One of them sounded like a foreigner and the other sounded like a XXXX. 

Ive got XXXX XXXX dollars worth of savings insurance with this particular account, and It may seem XXXX to regular working class people but there is no way a foreigner or XXXX would ever be able to access and dole out my XXXX XXXX dollar insured savings account to me. PLease help me with this problem because it was nearly the only bank that I could find that had any kind of Savings insurance to brag of. On top of that I invested and sold Stock for the company of American Express and have used the bank as a personal bank since 2004. I demand this problem and issue with a XXXX and or foreigner getting their little poor foreign XXXX feeling hurt over big and rich XXXX XXXX. XXXX XXXX XXXX from XXXX and XXXX bankers association would call that a small personal problem, that they have no problem fixing directly for you. If you do not resolve this problem your going to need an expensive business Lawyer to match wits with a XXXX business Lawyer of XXXX XXXX Choosing and be Sued and held liable for causing personal Problems with XXXX XXXX finances and Home Marital Life. He does not care one bit about some XXXX XXXX or foreigners feeling that they feel so small compared to the tycoon. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (TX)

As of XX/XX/2019 I noticed a collection Avante USA for XXXX services of Kansas. I have no knowledge of this debt, as I was living in Texas at the time it showed up on my credit report and I have received no letters of correspondence about it.
Consumer complaint received 2023-04-10
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. (WI)

all inquiries on my report shall be removed permanently all late payments removed permanently an all credit utilization shall be removed permanently from my report due to the fact i have not given any written instructions to furnish anything on my report Because of this improper reporting they violated 15 usc 168 ( a ) ( 4 ) -Accuracy and fairness of credit report, to which the consumer agency has to respect my rights to privacy. also they have violated 15 usc 1681a ( 2 ) ( i ) -Exclusions, the consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report, reporting payment history an credit utilization violates my consumer rights. they also have violated 15 usc 1681b- Permissible purpose of consumer reports, the consumer reporting agency can only furnish information In accordance with the written instructions of the consumer to whom it relates and i have not given my written instructions. also Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, to which they have not done on my behalf which has caused me great pain an suffering due to the fact i cant obtain a loan for {$30000.00} that i needed for a new home.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

Capital One is negligent. I made a payment for {XXXX} on XX/XX/XXXX. It cleared my business account on XX/XX/XXXX and its still not showing up as an available credit. I called to complain and understood that it would show up by the end of the day. Its the end of the business day in my time zone and my money is not there. I sent them proof that the funds were paid out. If I have to close my business because I can no longer operate, Im suing Capital One for gross negligence.
Consumer complaint received 2021-02-16
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: CBC Companies, Inc. (TX)

I requested that innovis provide me with the proof of their right to report UNverified accounts on my credit file in the form of physical consumer contracts stored within their computer database via notarized and certified mail on XX/XX/XXXX. Every account I disputed was investigated by innovis and the results were " verified ' and updated, however innovis did NOT provide me with their method of verification and they FAILED to provide me with the copies of any original documentation of a physical consumer contract with my signature on it. Accounts I am disputing : # 1 XXXX XXXX open date XX/XX/XXXX original amount {$1600.00}, # 2 XXXX XXXX open date XXXX XXXX original amount {$6000.00}, # 3 XXXX XXXX open date XXXX XXXX original amount {$3500.00}, # 4 XXXX XXXX open date XX/XX/XXXX original amount {$2700.00}, # 5 XXXX XXXX open date XXXX, XXXX original amount {$4700.00}, # 6 XXXX XXXX open date XXXX XXXX original amount {$790.00} According to the FCRA if innovis does NOT have a copy of the documents used to verify the accounts they are required to delete all unverified items.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Paypal Holdings, Inc (CA)

I made {$200.00} x2 {$400.00} charges om my credit card ending in XXXX then I issued a refund to the same card and paypal zettle can't find my money
Consumer complaint received 2022-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX / {$830.00} / XX/XX/2021 XXXX XXXX/ {$550.00} / XX/XX/2021
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, 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. (MI)

I sent a hand written letter to Transunion stating that fraudulant activity had taken place on my credit report and hard inquiries have been placed that do not reflect activity I authorized. I listed each hard inquiry in the letter as follows : XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX I included a copy of my FTC fraud filing that I was required to send to prove I filed a complaint of fraud. I was told once I send those items the fraudulant inquiries would be removed in XXXX business days. I sent everything via certified mail on XX/XX/XXXX. 
The letter I received back on XX/XX/XXXX was a letter describing what a hard inquiry is with the definition and listed it was in reference to me wanting an explanation of what a hard inquiry is. 
The letter and documentation I sent was clearly not a request to know what a hard inquiry is and is exactly what the Transunion representative asked for when I called XXXX. I followed the exact procedure requested of me for these removals and am being denied my right to an accurate credit report. TransUnion is reporting fraudulant inquiries on my report that I want removed immediately. I am including the letter I sent with my file number as requested per a transunion representative and the ridiculous response they returned to me.
Consumer complaint received 2019-04-11
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: RoundPoint Mortgage Servicing LLC (IL)

I have disputed the amount of what is owed on my mortgage for the past 6 months. I have opened disputes about the amount with all 3 credit reporting agency. The amount that Roundpoint Mortgage company keeps reporting is XXXX as owed this amount has been incorrect for months my amount owed is XXXX as of statement dated XX/XX/2019. I have tried to have this matter rectified for months including today. Today because of Roundpoints inaccuracy in reporting, my credit score has fallen another 30 points. The credit reporting agency keeps closing the disputes because Roundpoint Mortgage Company keeps reporting back to each one as the amount is accurate. Which it isn't.
Consumer complaint received 2019-03-20
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. (WI)

During mid XX/XX/XXXX I began to dispute the inaccuracies on my credit reports with the 3 Credit Bureau 's XXXX, XXXX & TransUnion. I requested that my reports reflect my corrected legal name & current address along with that request I requested that they remove a couple unverified collection accounts and a public record that was listed.

I formally asked these 3 Credit Bureau 's to legally investigate and verify the inaccurate information being reported on my credit files but all 3 have failed to do just that. I've been disputing these inaccuracies for the last 4 months with no resolution of the inaccurate information being reported in my credit files.

The inaccuracies being reported are listed below by Credit Bureau 's : XXXX  Chapter XXXX  bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XXXX Unknown Creditor : XXXX Date Opened : XX/XX/XXXX Amount : {$120.00} XXXX XXXX  : Account # : XXXX Amount : {$410.00} XXXX XXXX : Account # XXXX Amount : {$1100.00} XXXX Chapter XXXX Bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XXXX XXXX : Account # : XXXX  Amount : {$410.00} XXXX XXXX : Account # XXXX  Amount : {$1100.00} TRANSUNION Chapter XXXX   Bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XXXX XXXX : Account # : XXXX  Amount : {$410.00} XXXX XXXX  : Account # :XXXX  Amount : {$1100.00}
Consumer complaint received 2022-04-04
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: TRUIST FINANCIAL CORPORATION (AL)

I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
Consumer complaint received 2017-01-11
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (GA)

My employer submitted incorrect information to HSA Bank ( a subsidiary of Webster Bank ). Money has been deducted from my paycheck every 15 days since I was hired, but HSA Bank is refusing to release my HSA funds to me even after my employer has submitted corrected information ; and I have submitted requested information verifying my identity and social security number.
Consumer complaint received 2022-04-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (UT)

IC Systems has reported a medical debt to my credit which I was not aware of from XXXX XXXX. They has been no proper communications about this debt when then last time that I have spoke with them on the phone asked for record of this debt. They informed me they would send me the documentation, but I have not received it. 
I sent them a certified letter asking for REQUEST FOR VALIDATION OF DEBT and they did not respond within the 30 days allowed within the letter. 
I sent a 2nd letter informing them they that they did not respond in a timely manner therefor I am requesting them to remove this harmful reporting to my credit. I yet again have not received any response.
Consumer complaint received 2018-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I am an AMEX platinum card holder and I booked a package vacation for flight and hotel to XXXX XXXX. Arriving XX/XX/XXXX returning XX/XX/XXXX. Hotel : XXXX. Flight : XXXX XXXX XXXX. Prior to booking I called amex travel to confirm perks of booking at one of their Fine Hotels and Resorts ( XXXX ) and I was told that we would get : Noon check-in, when Available Room upgrade upon arrival, when available Daily breakfast for two people : {$30.00} per person, per day valid at several XXXX Restaurants In room wi-fi Guaranteed XXXX late check out {$100.00} property credit to be used during stay for spa or dining I called the XXXX to confirm these benefits but was told I did not qualify for these benefits because the reservation that I made thru AMEX travel was booked thru a 3rd party ( XXXX ). I explained to the rep that I did not book anything with XXXX and that it was booked thru AMEX but she rudely told me that I would have to call AMEX.

I then called AMEX and their statement was that because I booked a package deal the perks would not be honored. I don't feel that this is fair because it was not explained to me prior to booking. I also could not find any statement on their website that explained this. I feel that this is very misleading because these benefits are boldly listed on their amex travel website. We are paying {$720.00} annual fee to have this card for the benefits but we feel that we have been mislead and the representative should have thoroughly explained these details. It should also be boldly stated on their site that you loose these benefits if package ( hotel & flight ) is booked.