davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KLS Financial Services, Inc (GA)

KLS FINANCIAL SERVICES INC violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. KLS FINANCIAL SERVICES INC added a collection to my credit reports without my knowledge. I have never received any written correspondence from this company at all. KLS FINANCIAL SERVICES INC reported this collection to XXXX, XXXX, and XXXX. For the amount of {$170.00} and {$400.00} Opened on XX/XX/2014. This is invalid, I have no knowledge of where this comes from. I have not received any written correspondence from the original creditor or this company. KLS FINANCIAL SERVICES INC put a collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. I HAVE NO CONTRACT WITH KLS FINANCIAL SERVICES.
Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO Bank, N.A. (CA)

I need assistance with the {$200.00} sign-up bonus for the BMO credit card that I haven't received yet. I met the required criteria over XXXX months ago. I opened my account around XX/XX/2023 and completed the necessary {$1000.00} expenditure by XX/XX/2023 within the first XXXX  months. 

The conditions for the bonus were as follows : " Earn a {$200.00} cash back bonus by spending {$1000.00} within the first XXXX months of account opening. '' The rewards are supposed to be issued within XXXX weeks after the end of the XXXX-month period. 

I reached out to BMO customer service number ( XXXX ) for many times, but each time my call is transferred between departments without resolution. No one has assisted me in claiming the bonus I am entitled to.
Consumer complaint received 2019-05-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

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 5 and 6 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. 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 2018-04-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX I contacted XXXX XXXX XXXX to book a room for the weekend, after successfully booking room the representative asked if I would be interested in learning more about a free vacation I accepted to hear more information. After being transferred to XXXX XXXX  the rep went through all the details, I provided all my debit card information to the representative he said it didn't go through. He asked me to put him on hold to contact my bank to see what was going on. I placed the representative on hold contacted my bank and found out there was no reason for the charge of {$240.00} not to go through. The representative and I then got disconnected and the transaction was incomplete. I contacted my bank a week after to report a claim on the charges, they gave me a credit for the amount on XX/XX/XXXX. On XX/XX/XXXX the bank reversed the payment saying that I did business with the merchant. I have explained to my financial institute that the charge was not authorized, they advised me I need to contact the merchant at this time. I reached out the the merchant on several occasions through email, which is the preferred way they advised me of to request a refund. The last email send was on XX/XX/XXXX, the previous time was in XX/XX/XXXX with no response back.
Consumer complaint received 2022-08-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (OH)

Sent a letter to Medicredit Inc in XX/XX/2022 requesting validation of debt. I requested the following information : Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

Please also forward details about your authority to collect this debt ; whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and agency issuing the license, If you are contacting me from outside the state, provide the licensing information from your state as well. 

Medicredit sent me a letter about charges with my HIPAA information on the top but no letter of my release of that information as requested or any other information. As well as proceeded to continue to call and demand I pay this debt. I sent another letter in XXXX stating they violated my rights from failing to provide the necessary documentation.
Consumer complaint received 2019-05-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BB&T CORPORATION (FL)

Sheffield Financial account is still charging me interest on an account that was closed on XX/XX/2015 with a voluntary surrender. The balance is still showing of XXXX. Every month they charge and increase the balance of that closed account and its affecting my credit score. I was forced to do a voluntary surrender because i was diagnosed of XXXX XXXX in XX/XX/2015. I am still on treatment. Please fix this problem and add it to my report the reasons of closing this account or loan. 
Thank you.
Consumer complaint received 2022-09-03
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: Experian Information Solutions Inc. (AZ)

Someone has been trying to get XXXX XXXX  cards in my name for years and they will not take the inquires off my credit report. I have been disputing my inquires with them for years I have been sending my dispute letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX where all 3 credit bureaus say to send disputes. After calling XXXX XXXX dispute department they say I have been sending letters to the wrong department and that I need to dispute the inquires with the 3 credit bureaus. The address I was supposed to be sending disputes to is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told by the XXXX XXXX  employee. XXXX XXXX credit card applications are confusing some say they will not affect your credit and and some dont mention that they will do a hard credit pull. The 2 XXXX XXXX credit card applications that I applied for business credit does not state anywhere that they will do a hard inquiry on your personal credit. I look for the fine writing and I can not see it anywhere on the application even though they say it is there, the place where they ask you to put your social security number they only say it is for identification purposes only it says nothing about a hard credit pull. You shouldnt have to read a book or search for something that can lower your score. That should be in big bold letters on all applications so a customer is well informed because some applications dont affect your credit but they are from the same company and you can not tell them apart.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Medical Data Systems, Inc. (PA)

This company appears to be a debt collector and has 2 entries on my credit report with all 3 credit agencies ( XXXX, XXXX and experian ). 
XXXX ) a contract does not exist between XXXX XXXX and Medical Data Systems , Inc . 
XXXX ) if the company disputes, they must provide a contract with my wet ink signature to prove a relationship exists. 
XXXX ) if no proven contract exist then both entries on my credit reports must be removed immediately. 
XXXX ) this is causing damage and constitutes identity theft because Medical Data Systems, Inc.has never been authorized to act on my behalf through any power of attorney. 
XXXX ) Attached is a formal legal/lawful notice that Medical Data Systems , Inc. is in breach of copyright. Remove all data from the credit reporting agencies immediately.
Consumer complaint received 2022-09-03
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: Experian Information Solutions Inc. (WY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-07-05
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 (OR)

I am requesting an investigation into an incorrect 120 late payment posted fromXX/XX/XXXX. Beginning XX/XX/XXXX my Capital One account changed from ( Visa to Mastercard ). This caused inaccurate payment postings. I had difficulty paying online and was unable to post payments correctly. The payments were posting to the incorrect account. I had excess on one account and a late charge on the old account. I continued to get mail stating I had n't made a payment.
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I contacted Capital One and the representative was confused about my request, but I was finally able to speak with someone that understood my problem. The representative was able to assist me to finally post the payment to the correct card, but it left me with an inaccurate and unfair reporting to XXXX. Capital One continues to report that I was 120 days late making a payment. This account had a maximum balance of {$180.00} part of which was fees from untimely payment due to the change with credit card types. I did n't request the change in credit card types and I did n't request to have the accounts incorrectly posting payments. I had n't had any delinquent payments prior to this credit card change ( Visa/Mastercard ) and have not had any late payments with any creditors since this incident.
Consumer complaint received 2022-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reportd on my Credit Report as well inability to report accurete only information my Credit File. I previously sent a letter addressed to the Credit Bureaus requesing that the Credit Bureaus take their time to verify the information being reported on my Credit File. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/2022 under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/2022. The Credit Bureuas have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verifiued. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have also failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureuas to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX A XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (AL)

Subleased an apartment according to how the leasing office instructed me. The apartment is now claiming that even after I left I owe them even though I did not live there. Tennant left in an improper way. Apartment tried to settle with tenant, tenant said they got a lawyer and that they were not responsible. Apartment said they tried to contact me but I did not know about it until 6 months later after it was already in collections. I do not owe this debt. I have asked for paperwork. I have asked for the entire leasing document and have not received it. Lease is missing the " room mate release and room mate addition form which both parties signed to enable the sublet. Lease packet is missing the mold remediation and lead paint document. I have asked repeatedly for the complete documents and they said " this is all they have. '' I do not have the complete packet and they will not share it. I was also charged for " painting an improper color '' which I did not. The color they are talking about was offered to me as a " thank you '' for signing another lease prior to me leaving when I bought a house 8 months later. I had an option of blinds or painting an accent wall. I chose the paint.
Consumer complaint received 2020-12-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

ve been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account was reported 30 days late I was twice I have never been late with my auto account I have reach out to XXXX XXXX XXXX  many times submitting my reference # exc showing that it was an inaccurate reporting they was suppose to rectify the error which it still shows and its preventing me from closing out a deal.
Consumer complaint received 2019-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (WI)

I just looked at my credit report i don't know what it's regarding. I have never done business with this credit collection company. I have never signed any paper work or anything pertaining to this medical bill. The amount of the bill is {$700.00} the date is XXXX XXXX. What about Hippa Laws this is inappropriate. The name of the company is Midland Funding LLC
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Information and documentation requested from XXXX XXXX XXXX ( XXXX ) has been refused : 1 ) Provide XXXX accounting for this loan beginning from loan origination. Do not send payment and transaction history. Provide documentation on when the loan originated in 2002. How did it originate? Who provided the initial funds and how? 
2 ) Is XXXX a debt collector? if yes, identify yourself as such. 
3 ) Does XXXX have a contract with said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX? 
4 ) If such a written contract exists then provide the contract with original wet signature. 
5 ) On XX/XX/XXXX, there was an assignment of mortgage to XXXX XXXX XXXX Mortgage XXXX : said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX were never notified. Said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX does not have a written contract with XXXX and has never assigned power of attorney to XXXX to act on their behalf. Said mortgage holders has never assigned power of attorney to XXXX XXXX XXXX Mortgage XXXX or any of their subsidiaries, derivatives, trusts or any other entities or associated persons. 
-Why was the assignment made? 
-Who authorized the assignment? 
6 ) This mortgage contract with XXXX has been in dispute for over a year, why is XXXX still reporting derogatory information to the credit agencies? This is causing damages. 
7 ) Who authorized XXXX to send any information to the credit agencies? As a consumer, said mortgage holders never authorized it.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

This is not a duplicate complaint. I am making this complaint because Experian would not let me upload this dispute because it was a duplicate which is not true. 

The account type that is reported by the furnisher ( XXXX XXXX XXXX ) is being reporters incorrectly and inaccurately. 

The Account Type is supposed to be listed as " medical debt ''. 

The glossary of entry codes written by Experian does not list " collection '' as an account type therefore this credit file is inaccurate.. 

this furnisher has been notified of this numerous times and still continues to maliciously and illegally reporting data incorrectly
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAINE & WEINER. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2023-07-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

I have am a member of and have a home equity loan with Randolph Brooks FCU ( RBFCU ). My payments are due on the XXXX of the month and a late fee is added if the payment is after the XXXX. RBFCU has indicated that payments can me made on their website ( https : //www.rbfcu.org/online/login ). I made my payment on XX/XX/2023 at XXXX XXXX  on their website. I received a message that the payment about be posted in 2-3 days. 
I have now received a statement that includes a late fee of {$37.00}. 
I emailed RBFCU and asked to have the late fee removed to which I was told that since the payment didn't post to the loan on/before the XXXX, it was late. I advised that I made the payment on their website and was never informed that the payment had to be posted to the loan on/before the XXXX. They refused to refund the late fee. 
I filed a BBB complaint. XXXX with RBFCU reached out and I again explained the situation. He said that when a consumer makes a payment on their website, it is processed via XXXX which takes 2-3 days for the transaction to happen. I explained that as a consumer, I was not privy to their processing. I as a consumer had no idea that the funds were immediately available. I explained that I have never heard of a creditor charging a late fee for a payment not being posted to a loan/account due to how the creditor processes payments. He said they will not refund the late fee. I asked why none of their websites/written info indicate that the payment must be posted to the loan on/before the XXXX or I would be charged a late fee. He said that he would let his IT dept know and see if they would add language to their https : //www.rbfcu.org/online/login that the payment is late if it's not posted to the account by the end of the grace period.
Consumer complaint received 2019-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I have reached out to Navient concerning the ability to benefit back in XXXX and also sometime in XX/XX/XXXX and also XX/XX/XXXX. I was advise that I didnt qualify because I self proclaimed I had a high school diploma. When I sent over documents that was requested I sent over my my high school transcripts as well to show I had not diploma at the time when I attended the school the school I got my loan for.