davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Incorrect reporting of my status by Equifax.. 

The status under federal law needs to be reported as Mortgage included in Bankruptcy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Mortgage Loan # XXXX United States Bankruptcy Court for XXXX XXXX XXXX XXXX Florida Bankruptcy Chapter XXXX Case Number XXXX Filed XXXX Debtor : XXXX XXXX XXXX SS # *********** Equifax needs to correct my account status as Mortgage included in Bankruptcy.
Consumer complaint received 2015-09-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MRS BPO, LLC (WV)

i am being called by MRS BPO every day. a machine makes the call. i am not the person they are looking for. it is the person who used to have this phone number. 
there is no way to get them to stop because the machine circles around and around. i have called their main number where the operator says she can not help me and transfers me to a number where nobody answers. please make them stop. when calls for the same person were made by human beings, i was able to convince them i am not the one who owes the debt. can not get the machine calls stopped.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (LA)

I am writing to express my deep dissatisfaction and concern regarding the deceptive practices employed by CitiBank in conjunction with their XXXX XXXX XXXX upgrade promotion. I received a mailer from CitiBank Credit Cards stating that I was eligible to upgrade my XXXX XXXX XXXX from XXXX XXXX to XXXX XXXX XXXX. The mailer further enticed me with a list of incentives, prominently featuring the promise of receiving XXXX bonus miles if I spent {$7000.00} within the first three months of receiving the upgraded card. 

Relying on the representations in the mailer, I upgraded my card, transitioning from paying {$99.00} annually to a hefty {$590.00} annual fee. Despite diligently meeting the spending requirement within the stipulated time frame, I have yet to receive the promised XXXX bonus miles. 

Upon contacting CitiBank Credit Card 's customer service to address this issue, I was shocked to be informed by a customer service agent that the incentive advertised in the mailer only applied to new accounts, not upgrades. This revelation contradicted the clear and unambiguous language of the mailer, which led me to reasonably believe that I would receive the incentive upon upgrading my existing account. 

Furthermore, I was disturbed to learn from the customer service agent that I was not alone in experiencing this deceptive discrepancy. It is deeply troubling to discover that other customers have been similarly misled by Citi Credit Cards ' misleading advertising tactics.

I find it wholly unacceptable that CitiBank would engage in such deceptive practices, causing me to incur a significant financial burden based on false promises. Despite acknowledging the deceptive nature of the mailer, I was informed that the only recourse available to me was to submit feedback to the company. 

I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and hold CitiBank accountable for its misleading and unfair business practices. Customers should not be subjected to deceptive advertising tactics that ultimately result in financial harm. 

I request that appropriate action be taken to rectify this situation, including but not limited to honoring the promised incentive or providing appropriate compensation for the misleading advertising and financial burden imposed upon me.
Consumer complaint received 2018-06-12
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (WA)

So I have been contacted almost every day and multiple times a day about my car loan. The first time I answered I tried to get transferred to a supervisor and while on hold I was hung up on. So I immediately XXXX the number and most people said it was a scam ( as they ask for your social security number before you can talk to someone ... not to mention you can barely understand who youre talking to ) I repeatedly kept getting calls. Hadnt answered after that and I never received voicemails. I never received anything about it in the mail.

Two years down the road I applied for a mortgage. My credit was horrible and the guy trying to get me a loan told me it was my car loan. He told me I should call Nissan to get clarification on the 25 late payments ... as Im sure Ive payed every month the correct total. ( Its been on auto pay since the day I bought my car ).

They tell me A year into my loan I missed one payment. Im still not sure how thats possible as Ive set up auto pay years back .... and they can see Ive made auto pay payments months after that ... so somehow my payment for 1 month wasnt processed and now for the past two years Ive been apparently making ( auto pay ) late payments.

It has taken my credit score down further than I even thought it could go.. and now Im terrified I will never be able to fix it and get a mortgage.

Ive tried to disputed it through the company and they continued to call me and not inform me if my request was denied or accepted.

Extremely frustrated, I answered again and requested to talk to a supervisor. He told me that my request to dispute was denied because its my fault my auto pay didnt get processed properly.

I have gotten nothing in the mail notifying me ... nothing for 2 years!!!

Now they will not stop calling me and Im apparently stuck with a big bill of late fees and a horrible credit score that I feel is incorrectly reported.
Consumer complaint received 2021-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

On Saturday, XX/XX/2021, my Master Card with Fifth Third Bank was fraudulently charged for {$340.00} for an automobile insurance policy with XXXX XXXX XXXX by a third party without my knowledge or permission. This charge posted to my account on XX/XX/2021. I had provided my credit card information over the phone to this third party merchant for a {$20.00} charge for a totally different product from them. Instead of using the credit card for the permitted {$20.00} charge from them, apparently the third party fraudulently used my credit card information to purchase the {$340.00} insurance policy from The XXXX XXXX XXXX. At no time did I ever have any intention of buying anything from XXXX XXXX, nor did I ever have a conversation with anyone at XXXX. 

The fist I knew about this situation was when I received my monthly statement in XXXX, XXXX showing this fraudulent charge. I immediately disputed the charge. Since then, I have talked to numerous people at Fifth Third, wrote numerous letters and e-mails, and have been given the runaround and taken completely in circles. They continually kept asking for receipts and documentation. I told them repeatedly there are NO receipts or documents, as I NEVER agreed to this purchase at all, hence NO receipt! 

Fifth Third arbitrarily, with NO input from me, or notice, told me they would not grant my dispute and the only way I could re-open it would be to submit receipts, which NEVER existed! I have had a branch manager named XXXX at Fifth Third in XXXX, NC ( her phone number is XXXX ) try to intervene and help me. She has become just as frustrated as I have. She tells me the people in the Fraud and Disputes Departments are giving her the runaround and won't even tell her why they decided the dispute against me! I really need some outside help with this as now I have been charged {$340.00} fraudulently for a product I never wanted nor agreed to buy. Thank you. 

NOTE : The original card this was charged to ended in XXXX. This account was updated to the current account ending in XXXX due to identity theft.
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (TX)

I received a phone call from the debit collection supposedly a XXXX credit card it is over XXXX XXXX XXXX they are trying to get the money from which, I signed the tolling agreement. I have not heard or been notified over tens and now they want to sue me for XXXX. Can this be possiable.
Consumer complaint received 2021-02-26
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: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

XX/XX/2020 Rushmore Loan Management Services Department of Consumer Affairs XXXX. XXXX   XXXX XXXX, CA XXXX XXXX : WRITTEN REQUEST Pursuant to CFPB Mortgage Loan Servicing Rules To Whom It May Concern : In  XX/XX/2020, my loan was transferred from XXXX XXXX XXXX Mortgage to Rushmore Loan Management Services. I made my XX/XX/2020 and XX/XX/2020 payments of {$2600.00} to Rushmore Loan Management Services. 

On XX/XX/2020, I received my Annual Escrow Account Disclosure Agreement and Change of Payment Notice. It stated that my monthly mortgage payment was going to increase by {$570.00} per month as of XX/XX/2020 because of Rushmores Escrow cushion policy, which is egregiously  excessive. 

On XX/XX/2020, I spoke with the customer representative about the increase in my mortgage payment. I am requesting that my loan payment be reduced as it relates to my escrow analysis to remove the cushion. 

Please note that this increase is excessive. My property taxes have only increased by {$120.00} per month. Since XXXX XXXX transferred my loan, Rushmore is increasing by {$570.00} per month which is excessive!!! And especially with COVID-19 it is unreasonable to have such a substantial cushion. I am submitting this as a WRITTEN REQUEST because of the COVID-19 quarantine, I do not have  access to a fax machine to submit my request. 

Also, note that I am a NY homeowner and I will submit a complaint regarding Rushmore Loan Services regarding your servicing practices. Once my loan was transferred from XXXX XXXX to Rushmore Loan Management Services I have been inconvenienced regarding payment options ( i.e., biweekly automatic payments to align with my bi-weekly payroll ) as, well as this excessive increase. I am also going to file this complaint with Governor XXXX XXXX, Attorney General XXXX XXXX, the Consumer Finance Protection Bureau and the NYS Department of Financial Services. Please  note that I would like my payment adjusted as of XX/XX/2020 to reflect the actual increase of my property taxes ( i.e., {$120.00} ). 

Please respond at your earliest convenience. 

cc : Consumer Finance Protection Bureau New York State Department of Financial Services Honorable Governor XXXX XXXX Honorable New York State Attorney General XXXX XXXX
Consumer complaint received 2020-06-26
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. (NY)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX   XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX
Consumer complaint received 2021-09-12
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. (GA)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692
Consumer complaint received 2021-07-14
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. (TX)

On my XXXX consumer report I have 3 inquiries that I have no knowledge of the first being 1. XXXX XXXX dated XX/XX/XXXX 2.XXXX XXXX XXXX dated XX/XX/XXXX 3. XXXX date XX/XX/XXXX On my XXXX I have three also that I have no knowledge of which are 1. XXXX XXXX dated XX/XX/XXXX 2. XXXX XXXX dated XX/XX/XXXX 3. XXXX XX/XX/XXXX I am contacted you to ensure these unknown inquiries be removed as I have contacted XXXX and XXXX also with written identity theft affidavits Also there was an account opened with XXXX XXXX XXXX XXXX that I have no knowledge off also in which I've asked to not have furnished to my consumer report
Consumer complaint received 2020-07-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Finance System of Richmond, Inc. (PA)

Finance system of richmond called me in a rude tone and I refused to take the call, I asked for name and address and the lady hung up the phone. they company then listed two medical debts on my credit file without even sending a notice to dispute. I sent a debt validation to the company and they sent me a typed up bill, I later sent another notice and the company ignored me. I complained to the XXXX and the company sent the XXXX  a bill with medical procedures and procedure codes which displayed what type of medical service was performed which is a violation of hippa. I will attach all the files I sent to the company and the XXXX  and the companies response of not investigating my disputes but will still report to the credit bureaus. Debt collectors engage in fraud and violations why would I send any information to them. The burden of proof is on them to provide debt validation which is a original contract between the debt collector and I or the debt collector and the original creditor and an account number linking me to the debt. I looked up the procedure code which was listed and figured out what procedure was done. this company needs to remove this debt from my credit file and send it back where they got it frim because they will be liable for damages. I have attached the companies response to the XXXX  with all information and procedure codes and my two debt validation request.
Consumer complaint received 2021-05-22
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and social security card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular XXXX citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2020-07-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (IL)

FINAL ATTEMPT NEXT STEP TAKING IT TO COURT .. 

I SIGNED A 60 month term. 5 years XXXX $ monthly at 20.9 interest rate. For a XXXX XXXX XXXX. Price a little over 24k signed on XX/XX/XXXX. Here it is. XX/XX/XXXX with a balance a Little over 17k still really? I know I have been late but if u go back and look at payments history I paid over XXXX  $ to cover late fees. On top of that I was informed I differed 10 times of course I did the system was setting me up to fail. So now maturity date changed to XX/XX/XXXX. Now lets do the math XXXX including late fees we will be going way into late XXXX so in reality a 5 year contract turned into a 7 year contract. Even with 15 payments remaining at XXXX $ MONTHLY. INCLUDE ALL LATE PAYMENTS INCLUDE PAST DUE PAYMENTS. IT STILL ADDS UP XXXX dollars BELOW XXXX what I supposedly still owe do the math
Consumer complaint received 2020-09-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (LA)

i notice a negative item from CONVERGENT OUTSOURCING on my credit report on XX/XX/2020 for an alleged debt of XXXX that i do not owe, so i sent them a letter on XX/XX/2020 requesting information that is relevant to this matter.i haven't heard from them as of yet.
Consumer complaint received 2020-05-09
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. (NC)

My Federal Student Loan accounts have been reported by the Federal Student Loan Servicer as Account Status " Payment Deferred '', despite Section 3513 ( d ) of the H.R. 748 CARES Act requiring " During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. '' My loans have been in repayment for years. I have never missed a payment and always at least pay the minimum amount due every month. My credit score dropped significantly on XXXX from XXXX due to the remarks added to my Federal Student Loan account ( Account Status change to " Payment Deferred '' ). My Federal Student Loan accounts were reported in error.
Consumer complaint received 2020-05-09
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. (NC)

My Federal Student Loan accounts have been reported by the Federal Student Loan Servicer as Account Status " Payment Deferred '', despite Section 3513 ( d ) of the H.R. 748 CARES Act requiring " During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. '' My loans have been in repayment for years. I have never missed a payment and always at least pay the minimum amount due every month. My credit score dropped significantly on XXXX from XXXX due to the remarks added to my Federal Student Loan account ( Account Status change to " Payment Deferred '' ). My Federal Student Loan accounts were reported in error.
Consumer complaint received 2020-07-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Recovery Solutions LLC (VA)

This company has been trying to contact me via text messages for about a week. I sent a message after the original message on XX/XX/XXXX to send me a letter. I recieved another message on XX/XX/XXXX to which I requested another letter and advised them to stop texting me. On XX/XX/XXXX I recieved another message and again told them to stop texting. This is the message I continue to recieve " This text is from ARS. XXXX XXXX we have a legally required notice in our office with your name and SSN # attached. We need to speak to you or your attorney regarding case # XXXX. Please text or call back XXXX to discuss your case. '' This company has not identified themselves as a debt collector either.
Consumer complaint received 2018-06-12
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. (TX)

I recently made a complaint about XXXX and Transunion regarding a bankruptcy on my report. I reached out to them via telephone and was only able to speak to a representative at Transunion ; XXXX request that you leave a message and someone will call you back and I have yet to hear from anyone. I questioned the representative with Transunion asking the name and credibility of the third party company that verifies bankruptcies per consumer. Transunion put me on hold and he came back and said he couldn't answer and will make a request for this to be removed. I have yet to see any changes. My report from both agencies are contradictory ; the filing dates do not match and one report says I filed chapter XXXX and XXXX bankruptcy. The status dates have not been updated showing that an investigation was done. I'm attaching snippets of my current credit report effectiveXX/XX/2018 that clearly shows the contradictions.