davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I have had a Citi credit card ( with XXXX ) for the las

t 3 yrs. My husband was added as an add-on card member without my permission and his credit too was pulled for this ( without his permission ).

Recently when my husband pulled his XXXX report he was shocked to see that his credit was pulled for this card and this card was being shown on his XXXX report as an account. As he was not supposed to be on the card, he called Citi Customer Service ( around XX/XX/XXXX/ XX/XX/XXXX )  and explained the issue and asked to be removed from my account. In XX/XX/XXXX when he checked his XXXX report again, this card was still showing up on his account. 
To remove my husband from my account I called Citi Customer service on XX/XX/XXXX and was prompted to go to the automated service. Here I reached a point where I was asked to respond if " You would like to remove an account holder or close an account ''. Only one prompt was given for both actions- NOT A SEPARATE PROMPT FOR EACH ACTION. So, I had no choice but to select the prompt thinking that the next step would be to reach a customer service rep to remove the additional user ( that was the whole idea from the beginning, but the system kept saying choose the prompts to serve better ). However, what happened next was a big blunder by Citi and a nightmare that I am still living. The system just closed my account without confirming my action. I was utterly shocked to hear the automated system telling me that my account has been closed. 
I spent the next couple hours that day and subsequent days running behind the customer service to fight my case. On reaching a customer service agent he spoke like a robot repeatedly saying that this was not a bank error and that nothing can be done. He was extremely rude and not willing to help. On requesting to escalate the matter, he repeated that nothing different will happen even by the manager. Finally after much drama he connects me to the supervisor. The manager here tried her best but she got back saying that the 'final decision ' was that it was not a bank error and so nothing can be done. I was told that I had no choice but to open a new account from the scratch. The bank declined re-opening my account. 
This will have major negative impact on y credit- Closing an active and well maintained account, running my credit again for a new account, changing my card information on all my billing accounts. 
This is a major blunder on the part of the bank and its automation system. I am in no way responsible for this. 
I expect the bank to take responsibility for this and reinstate my account back again without any negative impact.
Consumer complaint received 2019-04-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Adjustment Service, Inc. (AL)

I went XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX to seek treatment for a XXXX XXXX. I paid my required copayment and they filed the claim with my health insurance. I was under the impression that I have complied with the requirement for a health insurance claim. Nearly two years later, I now have a {$230.00} collection account on my credit report and will remain on my credit report for seven years unless the claim is paid by my insurance. 

When I contacted XXXX XXXX XXXX XXXX XXXX onXX/XX/2019, I was told the claim was denied because XXXX XXXX XXXX XXXX XXXX did not file claim within 12 months from the date of service. I file an appeal with XXXX XXXX XXXX XXXX XXXX of MS but my claim was denied stating it was not filed timely. I did not receive any correspondence from the creditors giving me an opportunity to pay for the bill before it was placed in collection and on my credit report. 

According to the Medical Debt Act of 2016, The bill amends the Fair Debt Collection Practices Act to require a debt collector, before informing a consumer reporting agency regarding a medical debt, to notify the consumer in writing that : ( 1 ) the debt collector could report the debt to a consumer reporting agency 180 days after the notification is sent, specifying the precise end date of the period ; ( 2 ) the debt will not be reported if it is settled or paid during the 180-day period. I never received any documentation in writing about an unpaid medical bill. 

The account was reported to all three credit bureaus before 180 day after being delinquent. The date opened on the account is also incorrect. The date of service was XX/XX/2017, it is being reported on my credit reports as XX/XX/2018. I have disputed this debt with XXXX  and XXXX and the debt was verified as accurate. I have contacted the original credit and collection agency to pay the bill in full to have the item deleted, since this is clearly a clerical error for untimely processing. I had health insurance at the time of office visit. The original creditor stated they will call or email me back but I never heard from them. I am requesting that this item be deleted from my credit file.
Consumer complaint received 2023-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Automated Collection Services, Inc. (TN)

AUTOMATED COLLECTIONS XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Original creditor : XXXX XXXX This was placed on my credit report at a collection, I do NOT have a written agreement or account with this company. This is also considered medical. This needs to be removed from all credit bureaus IMMEDIATELY, pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2019-04-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MA)

- In XX/XX/XXXX I leased a XXXX vehicle and financed the lease with GM Financial - At that time auto-pay was set up for my $ XXXX/mo payment - I was also enrolled in paperless billing - Auto-payments were processed monthly, without issue, from XX/XX/XXXX through XX/XX/XXXX - In XX/XX/XXXX my payments stopped being processed - I never received a letter, email, text or any other written communication calling my attention to an overdue account - I continued to receive standard monthly emails informing me my monthly statement was available online -- none of which contained verbiage alerting me to an issue - While trying to buy a home, I realized my credit score dropped dramatically due to a late payment reported by GM Financial - I immediately paid my account in full and called GM Financial - GM Financial informed me that they had tried to call me - It turns out they did call ; however, they called from an unknown number and left a message that did not indicate who they were or where they were calling from. It only provided a phone number to call back. 
- Given the lack of information, I perceived the calls to be dangerous/predatory and I never returned them - When I saw the credit score and called the customer service number, I was informed that GM Financial 's policy does not allow them to disclose the company 's name or the nature of the call on a voicemail - Despite my attempt to escalate, GM Financial refuses to remove the late payment remark from my credit reports - As a result, I no longer qualify for the home loan product that will allow me to purchase my family home. 
- I still do not know why my auto-payments stopped being processed
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (TN)

Bought XXXX dollars in Ethereum. Entered in my correct birthday information on the website, but I accidentally entered in my age wrong when setting up a XXXX to link the money to as under XXXX I have n't been given an option fix the date and instead my account is just suspended. Sent them pictures of my drivers license and later got an E-Mail that they were unable to verify my drivers license, but when I go to the website, it says my identity has been verified but my account is still locked from buying and selling.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (VA)

Hi, so I submitted a dispute with XXXX to verify a bankruptcy listed on my credit report. I was told it was verified by Lexis Nexis. I, then, contacted Lexis Nexis to address the inaccuracies, I was told the information was being provided from a different source. I understand The Fair Credit Reporting Act ( FRCA ), states that any information reported to credit bureaus needs to be verified with the original furnisher. I contacted the clerk for XXXX XXXX XXXX  and was told they do not report information. So they are illegally sending my information to the credit bureaus.
Consumer complaint received 2019-04-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (PA)

I have been working with XXXX XXXX XXXX. According to there records, the current debt has been resolved. I believe the debt collector is opening this account again, so as to get money from me in an illegal manner. XXXX XXXX XXXX has settled this account, so how did LVNV FUNDING LLC get this account. This illegal account has caused my credit score to decrease by over 40 points. I have to pay an outrages interest rate on a new vehicle I purchased. I have done research on this company and found there are a lot of complaints, ranging from harassment to fraudulent credit reporting. The amount they claim I owe is {$3900.00}. Also according to their records my last payment date was XX/XX/19. 
I have not made this payment, which means XXXX XXXX XXXX could be the only way they recieved a payment. According to XXXX XXXX XXXX, if this is an accurate account then the debt is settled. I believe LVNV Funding is trying to get money from XXXXXXXX XXXX XXXX and from me. 
Would you please look into this and find what is actually going on?
Consumer complaint received 2022-09-16
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: AutoNation Enterprises Incorporated (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : XXXX
Consumer complaint received 2019-04-05
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: Fidelity National Information Services, Inc. (FNIS) (CA)

I called XXXX to inquire of a credit card someone attempted to open in my name and they wouldn't give any information other than asking and I foolishly gave them all my information. I am afraid of identity being stolen again. I am a victim of identity theft. The matter I assured them it was not me, for I have not written a since the late 1990 's. Please remove the items that pertain to me. I not ever received any correspondence of any kind such as phone or mail.
Consumer complaint received 2019-04-05
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 — Their investigation did not fix an error on your report
Company: Professional Finance Company, Inc. (MS)

I no my rights by law XXXX is putting all types of things on my credit. I have been researching the law and requirements also. If I need to hire a company to fix my credit I will do so. I have 9 inquiries from XXXX that isnt legal. Things on my credit and derogatory remarks that shouldnt be on there
Consumer complaint received 2022-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IA)

Hello, I have public student loans and recently applied for public service loan forgiveness ( PSLF ) in XX/XX/2022 through the loan servicer MOHELA. 

I mailed my PSLF application form to MOHELA in XX/XX/2022 and learned from them 2 weeks later that they had lost it. I uploaded my PSLF form to their website through my account that day in early XX/XX/2022. On checking the website recently on XX/XX/2022, the document had disappeared from the 'received documents ' section. I re-uploaded the PSLF application on XX/XX/2022. It again disappeared when I checked the 'received documents ' page on XX/XX/2022. I re-uploaded the PSLF application on XX/XX/2022. The document disappeared from MOHELA 's website again on XX/XX/2022. I re-uploaded it then for the 3rd time. The document disappeared from MOHELA 's website again on XX/XX/2022. I re-uploaded it then for the 4th time. The document was gone yet again from MOHELA 's website when I just logged in on XX/XX/2022 evening. I re-uploaded the PSLF application for the 5th time just now. This is becoming madness as my uploaded PSLF application has now disappeared 5 times and my mailed form was lost by MOHELA. 

This can not continue. I need to be able to submit my PSLF application somehow to MOHELA and to have the form acknowledged and processed before the XX/XX/2022 deadline for this process. I have already sent MOHELA multiple messages and called multiple times with no reply or help provided. Whether this fraud is accidental or intentional, it is significant and provides me with no access to a repayment option for my student loans that should be legally available to me. I am considering legal action in this case.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collections Acquisition Company, Inc. (MO)

I paid off a delinquent collection account it was reported on my credit under 2 company names one being Payliance and the other cybrocollect but are both for the same debt. I paid the debt and creditor agreed to remove account but XXXX XXXX has refused to remove the information
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

During the XXXX XXXX the amount of XXXX was transferred from my savings account without my knowledge. I then informed the Bank of the issue and now my account is frozen. My spouse and I had to open a new account. The fraud is under investigation and that takes up to 10 to 45 days. The person also had my XXXX XXXX changed on my personal mobile phone. This is the fourth time this has happened to us, and I would like for it to stop! 

Thanks in Advance
Consumer complaint received 2023-07-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

It has been a battle going through this, and I am submitting this CFPB Complaint to request the deletion of the following fraudulent information from my credit file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charges or open the accounts. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I have also enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records, and certainly not the alleged information showing on my credit report. Therefore, I request that you immediately remove this information from my credit report with your firm pursuant to the FCRA Section 605B. I need the deletion of the following items completely from my Credit File : XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These items were never authorized by me nor anyone on my behalf. Also, I would like to point out that I have been asking the Credit Reporting Agencies a copy of documents they found during their " investigation '' to prove that they have legal basis for their reporting and the Credit bureaus have been failing to provide these.
Consumer complaint received 2019-11-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (GA)

Nelnet Student loan servicing is deceiving me.

I have been fighting this loan since XX/XX/2016. This was not my loan, everytime i told a lender that they would sell my loan to a new lender and then i would have to start the entire process over. When nelnet called me in XXXX, i tried to explain they didn't want to hear it. I asked for a forebearance. It was granted. When the forebearance was up in XXXX, i still wasn't able to afford the payments, due to living costs, IRS payments, etc ... I am financially drowning and i have to pay a debt that someone else benefited from. In XXXX before the first payment was due, i requested a lowered amount, they stated that i would be charged $ XXXX/month for 12 months. I again stated that this wasn't my loan and i was told that i had to comply with it or get my wages garnished. They made me accept the terms on a recorded line when i responded to their disclaimer with : " it's not my loan but okay '' they said all i could say was yes or no. If i said no, they would take legal action. I have tried to talk to them but i get disrespected on the phone and by email they want my SS #, this is the way ID fraud starts ( it's happened too many times to me ). I am beat down by this and want a resolution. I can't afford this right now.
Consumer complaint received 2019-04-05
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. (CA)

I have did as I was directed to do by FPD California, XXXX, consumer affairs, creditors, and credit reporting agencies. Under California law I need the items in dispute removed from my credit report and any other credit reporting agencies as well please.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-07-25
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-04-05
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)

I have did as I was directed to do by FPD California, F.T.C., consumer affairs, creditors, and credit reporting agencies. Under California law I need the items in dispute removed from my credit report and any other credit reporting agencies as well please.
Consumer complaint received 2018-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (TX)

I have variously disputed several negative accounts from my report. I have disputed several times which i believe should be removed from my credit reports. I have previously disputed various times. Yet, no help. Therefore, I believe these negative accounts should be completely off. Thank you
Consumer complaint received 2023-03-06
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: eMoneyUSA Holdings, LLC (TX)

There are certain steps debt collectors must take before they can report a debt to a credit reporting company. They must actually SPEAK to me by telephone or in person about the debt. Or mail a letter or send an electronic communication about the debt. I have never spoken to anyone and no one sent me a letter or e-communication.
Consumer complaint received 2019-04-05
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)

I have did as I was directed to do by XXXX California, XXXX, consumer affairs, creditors, and credit reporting agencies. Under California law I need the items in dispute removed from my credit report and any other credit reporting agencies as well please.