davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Circle Internet Financial (NY)

In XXXX, I used Circle XXXX XXXX as a bitcoin wallet service and transferred funds to and from them from my checking account. XXXX XXXX, XXXX, I called and requested my remaining funds be transferred to me as I am having a family medical emergency and am desperate for the funds I own in the amount of {$1000.00}. Funds were guaranteed within 6 business days online and over the phone even if the debit card on file was older and no longer in use. No matter what the funds would reach my account or bounce back to ( them ) if the account could not for some reason receive them. The funds were never received. I called and emailed them many many times sometimes several times in one day the ensuing days thereafter XXXX XXXX up until last Thursday. They claim XXXX has the funds but XXXX does not and have absolutely no record of said funds ever received or even attempted to be wired. XXXX asked for proof of the record of transmittal which Circle now refuses to send or even communicate with them or me. They claim they have lost ( my ) funds somewhere in the billing department and dont know what happened to them. They said There is a lot of back and forth between departments ( nebulous departments and people ) and tracking lost funds takes a long time and effort. I find this absurd for a financial holding company to say and stand by. If this is the case, they are incompetent and/or liars. Simply put, this is fraud 100 % and the fact that they refuse to work with XXXX or me is proof of this. Please contact them and enforce that they send my {$1000.00} as my daughter is in the hospital in critical condition and insurance will not cover nearly all the expenses. Thank you very much.
Consumer complaint received 2017-06-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (TX)

I do n't have a contract with Diversified Consultants or the original creditor nor did I receive a written notice of my rights to dispute this debt before it was added to my credit reports. The law states that a creditor must send written notice of the debt that includes the amount of debt, the name of the original creditor to whom the debt is owed, and a statement describing my right to dispute the debt. I have no knowledge of this debt. Received correspondence from Diversified Consultants via the CFPB portal on X/XX/2017 that they would cease collection efforts and remove this collection from all credit bureaus. This morning, I received a credit monitoring alert that this collection was just added back on without my knowledge.
Consumer complaint received 2017-10-22
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: All State Credit Bureau, Inc. (MI)

We paid this account XXXX weeks ago. It has cleared and posted to our bank and everything. The company XXXX instructed us to dispute the account once payment was cleared as paid and they would remove it from all reporting agencies. We did this on XXXX recorded lines ( ours and the companies XXXX. We have done so and the company responded that a balance is still owed and the account is still reporting. At this point we are not disputing anything we would just like it removed as promised since all funds have been cleared and paid in full.
Consumer complaint received 2017-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MA)

I contacted Chase regarding a promotion they were running for their Reserve card. The promotion provided XXXX bonus points. Since I was an existing Chase Slate customer I called their customer support organization to inquire about the new card promotion and confirmed I would be able to take advantage of the bonus points by upgrading my current account. I was told yes, but they needed to run my credit to increase my credit line to ensure I was eligible. They ran my credit and increased my limit. Fast forward 3 months, the bonus points were never received. I reached back out to try to resolve the problem. Spoke to an agent and someone claiming to be in a management role. They would not share the call recording with me and simply said that they could not honor the bonus points since I was a current customer. I also went on twitter to try to escalate, but Chase did not resolve the issue and stopped communication with me. I feel like I was not provided accurate information and would not have upgraded my card ( which includes a annual fee ) if I knew I was not going to receive the bonus points.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted disputes to you and I didn't get a response within 30 days. 

Y'all are required by law to do so. 

Please investigate my disputes please. 

Thank you
Consumer complaint received 2021-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (AZ)

Since XX/XX/2020 I have received eleven delinquent payment notices from ARstrat for XXXX billed items. In every instance I provided proof that payment had been made. For ten of the notices, I never received any follow up from ARstrat. In one instance, I receive a form letter rejecting my proof. I called ARstrat. They confirmed my payment had been made to XXXX and apologized for sending the form letter. 

A sample of my proof is attached. It was for ARstrats most recent notice. It contains a copy of the XXXX bill for the item cited as delinquent annotated with my payment date, check number, and amount paid. A second proof is from my bank statement attesting that the payment check had been cashed. When appropriate ( as here ), a third proof is the next month bill from XXXX showing that I had NO past due amounts. 

Clearly the basis for ARstrats collection letter is false information from XXXX. XXXX  accounting does not follow standard accounting practices. When my payment is received, it is simply applied to the oldest service dated outstanding item ( s ) in my account, not to its designated item ( s ). That old dated item may be a recently booked posting that has yet to be billed to me. Hence, paid services may appear unpaid or underpaid in my account and the old dated item never appears in any billing. Even more confusing, XXXX  billing personnel often can not determine from what billing date ( if any! ) a payment originated. Although Arizona law prohibits such procedures for billing business entities and third parties, they are allowed for individuals.

My latest collection letter from ARstrat ( sample attached ) does not contain XXXX reference number for the supposedly unpaid item. Earlier letters did provide these numbers. This is important, since some bills do include multiple billing items on the same service date for the same dollar amount. Distinguishing which one is the subject of a collection requires this XXXX  reference number.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. ()

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On XXXX XXXX, I attempted to secure credit freezes with XXXX and TransUnion. This was quickly accomplished online with XXXX and I received confirmation of the action and was billed immediately. My experience with TransUnion has been a polar opposite. When I went online at XXXX XXXX site, I found that the " Credit Lock '' tab directs you to signing up for their monthly monitoring service which I mistakenly opted for and received an email of the billing. I corrected this an hour later by the phone number contained in the subscription email and was assured by the XXXX representative that the subscription would be cancelled and that a freeze would be placed on my credit account. I then received only confirmation of the cancellation and no notice regarding the freeze. Today, XXXX XXXX, I have spoken with four separate XXXX representatives to determine if I had a freeze on my account. The first three representatives could not help and gave me toll free numbers for others at XXXX who could help. Only the last representative was able to indicate that I had a " lock '' on my account. When I asked the difference between a lock and a freeze, I was informed of some vague difference with the caveat that a freeze was harder to remove. I still have yet to receive any confirmation of this status by email despite receiving other emails from XXXX and seeing nothing on my online profile which confirms or explains my credit status. This process for a much-publicized credit reporting service should not be difficult, especially in view of my XXXX experience.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (DE)

Company sent a statement which is not an invoice. I requested that this company send me a signed INVOICE. Nothing that this company has sent constitute as contract SIGNED between both parties as requested. AGAIN I'm asking for a signed invoice by both parties within 14 days. If that does not happen, then I will consider this debt to be fully discharged. 


Im sending Back the statements again it is not a signed invoice. 


Company also never disclosed, that I could opt out of credit reporting as well. I'm requesting that they STOP violation my privacy in reporting to the credit Bureaus.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

Bankruptcy reporting on credit file should not be reporting, I supressed all public records from being viewed on my credit file. The Credit Bureaus received public records information from Lexis Nexis. I opted out from reporting. This information. Should to be verified once disputed.
Consumer complaint received 2017-06-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MO)

We have a contract to sell the house in a short sale. The lender says they have 30 days to review the information and make a decision. They took more than 30 days to respond, though we had called in 2-3 times a week asking for updates. Each time, we were told we 'd hear something in " 3-5 business days '' but it took them several weeks to actually make a determination. Yesterday, we were told that we needed to counter the contract price of the property ( {$300000.00} ) to {$280000.00}. They then clarified that the net to the investor needed to be {$280000.00}. We asked what fees on the HUD the investor would not pay for, and were told that we were not allowed to know that information. We asked what the appraisal report stated the FMV of the property was, and the servicer told us that they " were not privvy to that information. '' When we asked how we were supposed to come to agreed upon terms without either of those pieces of information, it was suggested we eliminate substantially all fees on the HUD except the lender 's payout, which is impossible. We ca n't counter the buyer without knowing what the lender believes the FMV of the property to be, and we do n't know what fees on the HUD the lender wo n't pay for - so we 'll never be able to come to terms unless they tell us. With the foreclosure sale date in two weeks, we believe this is a showing of negotiation in bad faith : that they are trying to use the pending foreclosure to fleece the parties to the contract of their fees, and to make the buyer pay an artificially inflated price for the property. It is also important to note that the lender admitted that they never performed an interior appraisal - they just had a drive-by BPO and set the value using a third party webservice, such as XXXX, which have been proven to be inaccurate.
Consumer complaint received 2015-05-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Atlanticus Services Corporation (TX)

We have a loan with XXXX. It shows up on our credit report as a credit card. They will NOT accept a payment via a credit card, only debit or, their preferred method, direct access to our bank account. We have thoroughly reviewed our agreement and the payment options on THEIR website, and it does NOT say that credit cards can NOT be used for payments. Upon making a payment, by debit card on the phone, only a confirmation number is given, with no way to request or print a receipt. They do n't give receipts, not even by email.
Consumer complaint received 2017-10-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (OH)

I was employed at XXXX from XX/XX/XXXX through XX/XX/XXXX. I opened an employee checking and savings account because my direct supervisor, XXXX XXXX XXXX, XXXX XXXX # XXXX, ( fraudulently ) informed me that I was required to maintain such accounts due to my employment with XXXX. 

After my employment ended, I tried to close my account, but was verbally told that I must come physically into a branch to do so. I am a XXXX XXXX, they were aware of it, and it was difficult for me to do so. 

I made two written requests. One on XX/XX/XXXX to Relationship Manager XXXX XXXX subsequent to a phone conversation with her where she specifically told me I was physically required to come into a XXXX branch to close the account and could not close out the account by ACH .Second, a letter written notice to XXXX Executive Offices that due to a failure to respond to my request of XX/XX/XXXX, I would escalate this matter to Regulators. No response was received. 

In an ethics complaint filed, XXXX stated that XXXX acknowledged receiving my " letter of XX/XX/XXXX ''., but they freely admit that no action was taken until XX/XX/XXXX, a delay of over 6 weeks. 

Please advise what action is required of me to escalate this complaint.
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

Experian was billing me {$14.00} Experian XXXX XXXX services which I never signed up for. I should of never been billed as I only signed up for a free account. Experian then locked me out of my account. Experian was blindly charging a monthly membership fee without the my knowledge, authorization or consent. I signed up for the free account yet multiple membership fees, were billed to credit card. The multiple unauthorized charges caused my credit card company to flag the charges as fraudulent charges and the card was closed because I hadnt requested a credit report from Experian or any similar service.
Consumer complaint received 2017-10-22
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: CITIBANK, N.A. (FL)

I had a XXXX XXXX card back in XX/XX/XXXX. I set up the account via their phone service after starting the card in store. When I went to pay a bill, the sum initially showed deducted from my checking account and then reappeared after a few weeks. It turned out, the XXXX XXXXs representative. Seeing as this was their error, they corrected the information and removed the late fee.
Now, just over 2 years later, I am attempting to by a home and that error ( which XXXX XXXX said was being removed ) is still on my credit record. I even closed that account over a year ago.
I would like this error removed from my credit history, not just a late fee removed.
Consumer complaint received 2017-10-22
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. (NC)

I ask the credit reports to remove the nigtive items, they 'll response is no, after I paid them in full, I and the credit collection agreement is if I paid them in full they will removed them in 30 days. 
Out my credit files. 
XXXX XXXX credit card confirmation number XXXX was paid XX/XX/XXXX Amount {$450.00} I spoke to ms XXXX XXXX ext XXXX I filed in errors numerous times with all XXXX credit reports asking them why is steal showing this account in my credit reports there 's response is colctoin.
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

Since Greentree went to Ditech, I can no longer easily make online payments prior to my due date of XX/XX/XXXX. I pay my mortgage at least a week ahead of schedule online. When making payments, there is not an option to choose where the funds are to be allocated. Instead, my monthly mortgage payment is being applied to Principal Only. The result is that it does not register as a monthly payment and I end up " late ''. I have to call multiple times over 3-4 weeks until the funds are reallocated appropriately. Each time I call, I 'm told that it may take up to five days then I get the company tagline of " well, it may take longer because they 're so backed up ''. Even after making several calls and being reassured that no late fees will be applied, I start to get calls at night from Ditech informing me that my payment is late. Their payment system is set up in a way to minimize payments from being made prior to the due date. I would appreciate an explanation as to how to make monthly payments before the due date.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-22
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. (FL)

XXXX -XXXX XXXX XXXX it was reported through cfpb, it was taken off on credit report, not the others, I was n't my debt in the beginning I ask for the original bill they only sent a piece of the bill, the address and everything was incorrect, I ask to pay a percentage to take off even though it was n't mine, they refuse I ask that it be investigated and delete to all reporting bearu
Consumer complaint received 2017-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

On XXXX/XXXX/XXXX I paid m XXXX XXXX XXXX XXXX account. The billing and dispute department refuse to credit by account. It continues to bill me, charge additional late fees and interest charges. It will not credit any of these. The dispute department at XXXX is requiring that I send additional information from XXXX XXXX proving that I paid the bill and that I did not stop payment on XXXX of the payments shown on the bill ( in the same amount ) I have contacted managers at XXXX XXXX customer service department regarding this since XXXX and sent proof of payment to all persons possible.