davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-24
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 submitted multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXE XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX 2022
Consumer complaint received 2018-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (OR)

I completed the process for requesting my annual free credit report at the XXXX web-site, but did not receive my credit report. Instead, I received the following uncorrectable and incomplete error : We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

Annual Credit Report Request Service XXXX. XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There are various problems that are not correct on my credit file that need to be investiagted and deleted since they are wrong see letter attached
Consumer complaint received 2015-12-22
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank offers a BP XXXX XXXX credit card with rewards in the form of " fuel rewards '' ( {$0.00} credit on a tank of gas per {$100.00} charged for 90 days ). Since the credits are good for up to XXXX gallons of gas, each {$0.00} reward is worth {$5.00}. I received proper credit for the first two months, but greatly reduced credit in the third month. 
According to the bank 's written communication, I charged {$430000.00} in the third billing cycle before the 90-day period was up ( XXXX XXXX ). This, they claimed, generated {$10.00} in fuel credits. This is a factual error. I have in fact spent a net of {$7200.00} this billing cycle up to XXXX, XXXX ( after subtracting returns credited ). I simply added the current cycle 's charges on the account website. This should have generated fuel credits of {$18.00}. I was thus shorted {$7.00} in credits, with a cash value of 20 times {$7.00} or {$140.00} in gas. To illustrate the problem, I made XXXX charges during this cycle prior to XXXX XXXX for {$3000.00}, which should have generated a {$7.00} each ( XXXX x {$0.00} XXXX. Only XXXX credit this large appears, making clear that their records are wrong. My problem is that after XXXX communications with customer service, I ca n't get any XXXX to look at the record and add up the charges to see that, in fact, I charged {$7200.00} during the relevant period. Their most recent letter, dated XXXX XXXX, but received XXXX XXXX, simply repeats their claim of the amount of the rewards currently available without any effort to explain why the period from the start of the billing cycle XXXX XXXX XXXX XXXX to XXXX XXXX with a total of {$7200.00} charged produced only {$10.00} in fuel credits rather than the obvious {$18.00} that it should. 
The problem is more serious. It took many calls and emails to establish when the 90-day period ended. ( It was not clear whether their clock started when I applied, when the application was accepted, or when the card was activated ). They finally told me ( in writing ) the day the 90-day period ended XXXX XXXX, thus permitting the above calculations. For example, in my first email request for the bank to tell me the end day of my 90-day initial period, the customer service representative simply stated that in the initial 90 days I am to receive {$0.00} per {$100.00} charged with no response to my question of when the 90 days ended. The next query, by, phone produced XXXX different answers from a lady who clearly had no idea what the right answer was. She quoted dates as early as 60 days after activation to as late as well over 90 days. 
I need {$7.00} in fuel credits or {$140.00} in cash credit applied to the card. I would also like assurance that their customer service will be more responsive.
Consumer complaint received 2021-12-13
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. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to sumbit a complaint I have completed the report and have attached my documents for proof of ID. I am deeply affected by reporting of these accounts that don`t belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-12-13
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. (PA)

TO WHOM IT MAY CONCERN : I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-09-24
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 sent a letter on XX/XX/2022 to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than XXXX business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

Dear Rep, I made a complaint to the CFPB last year. You can look at my previous complaint or see Case # : XXXX. 

My complaint revolves around a Judgement that Midland fraudulently obtained using False Affidavits. 

I have written Midland XXXX attorneys - XXXX XXXX XXXX XXXX XXXX personally and through my attorney to throw out the judgement based on their Consent Agreement with the CFBP. I don't want to go through the details of the 63 page consent order but MidlandXXXX used false affidavits See Paragraph XXXX of Consent Order below and Did not have original account level documentation See Paragraph XXXX. 

Also See Paragraph XXXX For the Dispute Affidavit Lawsuit Debt that has yet to be collected, expected to total more than {$120.00}, ooo, ooo, Encore must within 90 days of the Effective Date : a. Withdraw, dismiss, or terminate all pending Dispute Affidavit Lawsuits ; b. Release or move to vacate all judgments obtained during the Relevant Period regarding Dispute Affidavit Lawsuits ; c. Cease post-judgment enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits ; and d. Request that the Consumer reporting agencies amend, delete, or suppress information regarding any Dispute Affidavit Lawsuits, and associated judgments, as applicable. 

See 2 Consent Orders Below : https : //files.consumerfinance.gov/f/201509_cfpb_consent-order-encore-capital-group.pdf https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-lawsuit-debt-collectors-and-debt-buyers-encore-capital-group-midland-funding-midland-credit-management-and-asset-acceptance-capital-corp/
Consumer complaint received 2018-07-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (LA)

I paid 3 different companies to do a modification of about {$3500.00} and also try to modify with green tree they had me bring my mortgage up with I did, still didn't get it they pressure me to move so they sell the house, my wife and I lose 4 year of mortgage payment at XXXX + and my credit rating hurt us that follow us for 8 year. {$67000.00} down the drain, we just got the letter from you all with a {$10.00} check that really hurt after all the money we lost XXXX, m put it in XXXX hands and yours. Ps please help vet out, it will help us get new mortgage. Contact # XXXX at. XXXX XXXX XXXX XXXX XXXX la XXXX
Consumer complaint received 2022-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (IL)

In XXXX of XXXX, I received a debt collection letter from Americollect , Inc for {$570.00} claiming that I owed this debt. In XXXX of XXXX, I mailed an certified letter to this agency requesting that the organization provide me with a legal signed document indicating that I entered into a legal contractual agreement with their organization. On XX/XX/XXXX, I received a medical bill with all of my medical procedures and medications listed on this bill. I did not sign any HIPPA documents giving Americollect authorization to access my medical records. This is a direct violation of my HIPPA rights.
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (FL)

I attempted to pay for my child 's school online and included the routing number available from my checks issued by SunTrust, my payment was declined as a " bad check. '' I contacted the school and was told the issue on their end said bad routing number. I logged on to the online banking system ( SunTrust rerouted me to Truist ) and after searching on the Truist website, I learned the routing number changed ; however, I was never made aware that the routing number would change nor have I been provided with new checks.
Consumer complaint received 2021-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

I went to emergency room in XXXX for treatment and I had insurance. Left hospital after treatment. Years later XXXX started getting letter and phone calls from collection agency about hospital bill from an emergency room doctor bill from XXXX XXXX XXXX XXXX XXXX, they supplied the emergency room doctor and turned it over to a collection agency called Credence out of XXXX Texas. XXXX  of the collection agents did a XXXX  way call with my insurance company and the collection agent learned that the emergency room doctor group forgot to fill with insurance company so they did at that time like 18 months later. Of course insurance denied it since it was over the year allowed by law and my insurance company sent me a letter that they denied the claim since it was not filed within 365 days of service and said neither they, the insurance nor I were liable for the bill by law. I faxed all paperwork to credence the collection company. Now in XXXX another collection company called XXXX XXXX XXXX has it called me and sent a letter. I called the original emergency room doctor group they wont pull the claim away from the new collection agency. So it keeps being passed to collection agencies when will this stop. No one is liable for this debt. The new collection agency is rude and threatened to out it on my credit. When will this go away!
Consumer complaint received 2021-12-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (OH)

Hello, I received a call From XXXX services recovery that stated that charges were being brought for a Credit card fraud for a XXXX unpaid debt that is well over XXXX years old and had been charged off since XXXX. The telephone number given to me is XXXX. The file number given to me is XXXX and the date the account was opened ( according to her ) was XX/XX/XXXX and according to her charged off XX/XX/XXXX. I am aware that this practice is illegal and that the debt is no longer valid. I received a second call with a return telephone number of XXXX.
Consumer complaint received 2021-08-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (HI)

On XX/XX/2020 I sent a certified registered letter to my mortgage company requesting 180 days of forbearance and they completely ignored my request claiming they never received such a request which I know they did because I had the signed receipt from the postal service. I was waiting to hear from them for 2 months and they had my current email, home address in Hawaii and phone number but they chose to send late notices to the mortgaged home knowing I wasnt going to receive these notices. My daughter had just so happened to pick up the mail and thats when I was aware they had ignored my request for forbearance and were reporting to my credit agencies that I was 60 days late and then I get a call from the VA inquiring about my non payment and I immediately paid my loan up to date to avoid getting foreclosed on. When I contacted Shellpoint Mortgage to find out why they didnt contact me via email, phone or mail at my current address and why they had ruined my credit for not granting me the forbearance request they responded that they never received my request and when I asked them to reverse the 60 day late reports they refused. I then filed a complaint and sent the signed receipt from the registered, certified letter requesting forbearance and I am still waiting for them to correct this.
Consumer complaint received 2019-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

On or about XX/XX/XXXX, I advised Citibank of a dispute concerning a transaction on my checking account in the amount of {$1700.00} for which I did not receive any benefit. On XX/XX/XXXX, without any prior notice whatsoever, I received an email indicating that the dispute was resolved in favor of the merchant and that the amount would be immediately debited from my checking account. This left my account overdrawn and Citibank began assessing this against my direct deposits. Moreover, I advised Citibank of my intention to file a lawsuit in small claims court to recover my funds. I was advised that Citibank would review my dispute and determine whether proper outcome was reached. I followed up with Citibank in email form on XX/XX/XXXX, and XX/XX/XXXX, and on XX/XX/XXXX, I received an email advising me that Citibank would be issuing a credit to my account for the {$1700.00} even though they believe my claim is bogus. It is unbecoming and inappropriate of a bank to make such an assertion. Moreover, I was also advised that Citibank would be closing my account shortly. This retaliation by Citibank in connection with this matter is inappropriate and actionable, and a repeat of Citibankms same, stale tactics.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to sumbit a complaint I have completed the report and have attached my documents for proof of ID. I am deeply affected by reporting of these accounts that don`t belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I called to cancel my services with XXXX XXXX XXXX. I received a confirmation email that my membership was to be cancelled and I will no longer get billed for the services in the amount of XXXX On XX/XX/XXXX I  noticed that I was charged again for services in the amount of XXXX. I called XXXX XXXX XXXX and the rep apologized and cancelled my membership again. I received another email with the membership cancellation. On XX/XX/XXXX I received a refund for XXXX. Since then I have still been getting alerts from XXXX. This morning I logged into the account and I see they have a payment scheduled to charge me again on XX/XX/XXXX in the amount of XXXX.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

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 Equifax Credit Bureau 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 : Charge Off XXXX XXXX {$71.00} XXXXT XXXX {$0.00} XXXX XXXX XXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2021-08-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (WI)

Dear All, on XX/XX/XXXX I made a money transfer ( XXXXEuro ) using WISE app from my XXXX XXXX Account ( XXXX XXXX  ) to my US Bank Account ( XXXX XXXX  ). 
The transfer was an exact repetition of a previous money transfer made on XX/XX/XXXX, using same bank information. 
The money were debited from my XXXX XXXX  but never transferred to XXXX XXXX. 
I immediately started a communication with WISE to understand what happened but the only explanation I got refer to XXXX  and XXXX  XXXX  tools used to transfer the amount, so something that should be dealt from WISE and myself. 
In the meantime I activated the process with XXXX XXXX  in order to collect back the money but is not a 100 % sure procedure. 
Do you have any suggestion to get back the money? 
Thanks
Consumer complaint received 2018-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC (AZ)

I purchased a dishwasher from XXXX and used there rent to own program. The Dishwasher was purchased in XX/XX/XXXX for {$600.00} and With a payment of XXXX it was my assumption that I would be done paying the debt in XXXX. Here it is XXXX and I was surprised to see that this amount was still being deducted from my account. I called them this last Sunday to see what was happening and they told me that I never contacted them to arrange a buy out? I was confused because this was never explained to me at the time of purchase. I asked them to send me a copy of the agreement with my signature and they stated that it was a virtual signature taken via my credit card at the time of purchases. I have paid this company {$1000.00} thus far and informed me that I could buy out my dishwasher for {$180.00}. more. So basically I have paid them for 2 dishwashers ... DO NOT USE WhynotLease
Consumer complaint received 2021-12-13
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. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$260.00} XXXX XXXX XXXX Balance {$520.00} Inquiries : XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2020