davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (MO)

I am disputing 2 negative medical collections from Online Information Systems ... {$120.00} and {$87.00}. I am unaware of any medical treatment being rendered resulting in the alleged amount being owed. I contacted the credit bureau via mail and advised I did not recognize the entry and requested proof of contract that would validate the alleged debt. I never received the initial 30 day letter required by law with the option to dispute otherwise this would not be an issue. I attempted to reach out to the company directly to resolve but was unsuccessful In each attempt during corona virus due to quarantine.
Consumer complaint received 2019-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

On XX/XX/2019 I sent CMRE a letter to Validate a debt they say I owe. I sent it USPS Certified and CMRE received my letter XX/XX/2019. I gave CMRE 30 days to validate my debt, which is a reasonable amount of time to investigate my dispute. XX/XX/2019 should of been the final date to receive information on my dispute. XX/XX/2019, since I received no letter from CMRE to validate my debt ; I sent a 2nd letter to CMRE - explaining they are now in violation of the Fair Debt Collection Practices Act. Giving CMRE 15 days to remedy the situation. 
XX/XX/2019 I finally received a letter from CMRE with a letter Postmarked XX/XX/2019 ; which is still in violation FCRA and FDCPA - past the 30 day allowed by law to validate the debt. 
Today is XX/XX/2019 and CMRE is still reporting the debt they claim I owe on my credit reports.
Consumer complaint received 2019-06-03
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. (MO)

The investigation conducted by the 3 major credit bureaus has failed to meet the requirements guaranteed by the FTC and the FCRA via consumer rights. In XX/XX/2019, I had demanded that as a consumer I be afford the Method of Verification used in the investigation of my disputed claims. I asked that the 3 credit bureaus provide me with the name and title of all persons handling this investigation. When and where did this take place, and what physical documentation used to verify these accounts. Inwhich by no means is electronic Verification proof of any sort therefore it can not be accepted as such. It is my greatest hope that you and your companies will remove these accounts immediately. Accounts are as following. 

1 ) XXXX XXXX XXXX {$680.00} 2 ) XXXX XXXX XXXX {$350.00} 3 )  XXXX XXXX XXXX {$140.00} 4 ) XXXX XXXX XXXX {$30.00} 5 )  XXXX XXXX XXXX {$140.00} 6 ) US Dept of Education {$3800.00} 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX XXXX XXXX {$71.00} 11 ) XXXX XXXX
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I have had a Citibank credit card for 6 years and 2 months. I have been on time 100 % I received a letter from them saying that they chose to close my bank account BUT the letter said nothing about closing my credit card. On XX/XX/XXXX, while shopping at Costco, they allowed a credit of just over XXXX, but XXXX mins later they denied the purchase. There was no notice or reason why they abruptly shut down the credit card account. Furthermore, there are three different account holders on this credit card that were affected abruptly. When my husband and I called, we were told we had to fax a letter asking why this happened. We did so and we have received no response. We called again today and were told that a letter would be coming to us in the mail. This is absurd and we deserve to know why this action was taken against us, when we have been 100 % on time with every payment for six years and two months straight
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-13
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. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2018-06-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: United PanAm Financial Corp. (MO)

On or about XX/XX/XXXX I received our 1st invoice from XXXX XXXX XXXX  on our XXXX vehicle we purchased we are happy with the purchase and the vehicle just not the hidden fees in this invoice dated XX/XX/XXXX it clearly states, there are 2 options provided on invoice website or call XXXX and underneath paragraph states " This service is free to XXXX XXXX XXXX customers ''. However when I called today XX/XX/XXXX they charged a hidden fee of {$7.00} processing fee for using phone service although paperwork states free???
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FTC Violations Wrong name - XXXX XXXX Please remove these address, do not live there : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX {$740.00} XXXX XXXX {$570.00} Inquiries - XXXX XXXX
Consumer complaint received 2018-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

My father, an XXXX-year old senior citizen was the victim of an unscrupulous contractor. He purchased items for a home improvement project and hired this contractor to complete the work. However, instead of delivering the items to my father 's residence for the project he loaded them up in his truck and drove away. I tried to locate the contractor to no avail. I filed a police report with the XXXX XXXX, California Police Department, ( XXXX, ext XXXX, Police Report Number XXXX and notified my credit card company of the theft. My credit card company gave me the run around for a few days and finally referred my claim to their insurance carrier, under their 'theft ' protection. I provided them with the police report and receipt for the stolen items. The insurance carrier acknowledged receipt of the items, but then sent an email requesting the SAME ITEMS. I complied with their second request, and again, they acknowledged receipt of the items, but requested the SAME ITEMS AGAIN. I complied with this request as well as a following request, for a total of four ( 4 ) times. I provided the same documents to the carrier on four ( 4 ) separate occasions. But the carrier has not make a decision on my claim and keeps sending out the same request for the police report and receipt of the items stolen, when in fact they already have this information in their possession. I believe they are acting in bad faith and have no intention of paying this legitimate claim and have been stringing me along for the past three months.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I booked a flight using credit card points through Bank of America 's travel portal on XX/XX/2021. The flight was cancelled by the airline in XXXX and I was informed via email to get in touch with Bank of America to rebook. I tried multiple times over XXXX and XXXX to get in touch with the travel center, spending an estimated 7 hours on hold. Because I was never able to rebook through Bank of America, I had to pay for a new flight. After the date of the flight passed, I called multiple times to get my points refunded for the flight. Although I have been promised I will get called back with 48 hours, the calls never come and I have still not been refunded my points. I spent another 2 hours on the line today, only to be told I would not be refunded my points, but that they would be " future travel credits '' that expire in a year and a change fee may be applied if I try to use them. When I requested the points be refunded, I was put on hold for an hour until I hung up.
Consumer complaint received 2016-03-11
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Credit card account closed over a year ago and continue to get statement and be harassed by HSBC. 
In response to complaint filed, HSBC issued a response indicating the credit card account ending - XXXX is closed and that the credit will be deposited to my bank account. Please refer to Case number : XXXX. However, the credit has not be deposited into my bank account or been issued a check in the amount of {$98.00}. Furthermore, I continue to receive credit card statement ( Statement closing date XXXX XXXX, 2016 was received on XXXX XXXX, 2016 ). I understand Consumer Financial Protection Agency can only prompt the business to issue a response, but does the agency not ensure that the business does not lie or compel the business to do what it say it will do in the response?
Consumer complaint received 2020-08-21
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: Experian Information Solutions Inc. (IN)

I submitted a complaint a month ago, i have been trying to get an account fixed for months. The company sent me a letter of deletion which i have forwarded to Experian twice, once as a dispute and once on here. They removed the account at that time or so i thought. I have been trying to buy a home and this account showed back up on my report. So either Experian didn't remove it or did then put it back on. This has been months trying to get this fixed
Consumer complaint received 2018-06-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Midwest Recovery Systems (FL)

Midwest Recovery Systems out of Oklahoma, has contacted me by phone numerous times trying to collect a debt from XX/XX/XXXX for a payday loan I supposedly took out from XXXX XXXX XXXX I have asked Midwest Recovery each time they have called to provide a written statement with the debt information to be mailed to my current address. They refuse, argue, threaten litigation, and then finally hang up on me when I don't pay the debt over the phone. It happened again today, XX/XX/XXXX. 

Earlier today, I called the number they left on my voicemail and spoke to their representative, XXXX. XXXX XXXX. After she hung up on me, I looked up Midwest Recovery Systems on the web and found numerous complaints and scam notices against them. I then called the CFPB and received instructions for filing this complaint. After speaking with the CFPB representative, I tried to call Midwest back, and now can not get an answer. 

Midwest Recovery Systems seems to have very shady business practices, and too many scam alerts against them for me to ever pay them money over the phone. Especially when they do not provide any proof of my debt. They also use threats of legal action against me to try and get me to pay them over the phone. 

They have called me at least 3 times in this manor over the last 6 months. I'm not even sure I actually owe this debt, and now Midwest Recovery has reported it negatively on my credit reports. How can they do that, when they refuse repeated requests by me to provide written proof?
Consumer complaint received 2021-11-03
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: WELLS FARGO & COMPANY (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the erroneous accounts reported on my credit report : WF CRD SVC - Acct. No. XXXX
Consumer complaint received 2021-11-03
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: Navient Solutions, LLC. (MS)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : NAVIENT XXXX Balance $ XXXXDate opened XX/XX/XXXX ; NAVIENT XXXX Balance $ XXXXDate opened XX/XX/XXXX ; NAVIENT XXXX Balance $ XXXX opened XX/XX/XXXX ; NAVIENT XXXX Balance $ XXXXDate opened XX/XX/XXXX ; NAVIENT XXXX Balance $ XXXXDate opened XX/XX/XXXX ; NAVIENT XXXX Balance $ XXXXDate opened XX/XX/XXXX ; NAVIENT XXXX Balance $ XXXX-Date opened XX/XX/XXXX ; NAVIENT XXXX Balance $ XXXXDate opened XX/XX/XXXX ;
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (PA)

I received a letter of denial for a credit card I did not apply for thru Chase. The card said my card application was denied based on credit score and lack of credit experience. 
I did not apply for a card at Chase. Someone else did and I am not sure if they used my SS number, but I am assuming they did so I am very concerned of Identity theft. I am not sure who to call at Chase because there is no number on the rejection letter. Only numbers are on the XXXX XXXX & XXXX Credit Bureau. I can send a copy of the letter I received if I knew where to send it. Any help would be great. Warm Regards, XXXX.
Consumer complaint received 2020-08-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (GA)

In XX/XX/2020, I Called to inquire on a letter received, I proceeded to ask multiple questions but rep started talking to me aggressively repeating to me if I am not going to make a payment then the conversation is done. With every question I asked concerning the debt they say I owed, the answer was she don't know. A couple weeks later, received a letter in mail from a lawfirm In which the debt collector had hired them to seek help in collecting. I called that lawfirm and asked questions. They informed me they had already filed suit on this account with the courts. I was in total shock, I was confused as to who this lawfirm was and confused as to how they were in connection with the debt collection agency.
Consumer complaint received 2020-08-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC. (TX)

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX, from XXXX XXXX XXXX on XXXX XXXX  XXXX  @ XXXX, XXXX, TX, the salesman acquired a {$12000.00} loan through Exeter Finance, LLC. with a 24.1 % interest rate. The interest rate was not  explained to me ; however, I told the salesman I had {$1000.00} for a down payment and I did not want my car note to be more than {$350.00}. My credit was fair, so I did not expect to get taken advantage of. The salesman even told me I could bring the vehicle back to XXXX XXXXXXXX and trade it in after 6 months. I attempted to trade the vehicle recently only to be told I still owe XXXX, XXXX on the vehicle, which is valued at approximately {$4000.00}. I have been paying on this vehicle for over 3 years, I even made additional payments which were supposed to be going to the principle of the loan only to discover it went to the interest. I believe this was a fraudulent loan and the salesman must have received additional money for getting me to accept that high interest rate. What happen to me was extremely unethical at the least. Things are hard enough due to the COVID-19 pandemic, then to discover I been ripped off really stressed me out.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE REINVESTIGATE THE DISPUTED ACCOUNTS AND HAVE IT REMOVED OFF MY CREDIT REPORT FOR IT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

About 10 years ago, I had a XXXX credit card through Capitol One Bank. Due to their poor business practices, I closed the account. Last month, I received a statement on this account ( using my old name and including my ex-husband asa user ). This was a shock, since I had closed the account years ago and had not received anything from Capitol One since then. I was very upset and contacted Capitol One, demanding to know why they reactiva ed this closed account. The insisted that I never closed it, but I am sure that I did due to the circumstances at that time. Furthermore, if the account was active I would have received some correspondence from them during the last decade. After a few minutes of arguing with the customer service rep, I insisted that it be closed, again. Again, I received a letter saying the account was closed, yet this month I received another statement from Capitol One. This is outrageous, that they would reactivate this closed account and even after I called to close it again continue to send statement.
Consumer complaint received 2015-05-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AZ)

I have had a XXXX checking account and savings with Wells Fargo for at least XXXX years. Recently I realized my account had been charged {$8.00} per month for the last XXXX months. I immediately called to find out why and was told that my debit card expired and fees were based on not having a debit card. I was not aware it expired nor was I notofied of the change in type of account I have as a result. Usually a new debit is sent when the old XXXX expires. I was told a new card would be ordered and only XXXX of the XXXX {$8.00} fees could be removed. This month a {$10.00} charge appeared. They have no record of a new debit card being ordered and say that even so I would have to use it XXXX times a month for it to count toward the free checking. They also said my account had been switched to a {$1500.00} minimum, which I DID NOT authorize! I had called the XXXX number to find out if the other XXXX charges could be reimbursed. They said no, but we did not discuss changing the parameters of the account. I feel violated that my account was changed twice without my knowledge and fees are continuing to accrue. I am closing the account as soon as possible, but wonder how many others are paying fees without knowing it.
Consumer complaint received 2020-07-20
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. (IL)

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX U S DEPT OF EDXXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They gave me two letters of release stating the debt wasn't mine XXXXXXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX My phone number is XXXX ( XXXX ) XXXX