davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been disputing this fraudulent account since XX/XX/2023, nothing has been done. Ive made several complaints with cfpb, disputes directly with the company, requested proof and even paid the debt just to remove it from my credit although it isnt mines and it still appears as an unpaid debt as well as a violation of my consumer rights.
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a mortgage with Bank of America and it was paid off XX/XX/2020. On XX/XX/XXXX Bank of America deducted another mortgage payment in the amount of {$5300.00} for the month of XXXX for a loan that was paid off. I have called the bank and spoken to numerous representatives who have all assured me I would be getting my money back but here I am ( 21 days later ) and I still have not received my money back. I have simply asked that the funds be returned to the Bank of America checking account they took it from and I have received excuse after excuse. My average wait time to speak to a representative is a minimum of 2 hours and I've made at least 8 to 10 calls. I'm frustrated and I'm at my wits end. I have other obligations to meet and the bank taking these funds has placed me in a difficult situation. I would appreciate anything you can do. Thank you.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

Greetings. 

I sent a disputes letters to the credit bureaus sunch asXX/XX/XXXX, Equifaax and XX/XX/XXXX but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.
Consumer complaint received 2024-05-15
Product: Credit 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: Paypal Holdings, Inc (CA)

Recieved email from PayPal saying a {$740.00} invoice has been generated under my wife 's account ( XXXX ). The email asks us to reach out to XXXX XXXX at XXXX XXXX WE BELIEVE THIS IS A SCAM ATTEMPT
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I opened up the acc in XX/XX/XXXX With Citi. When I opened the acc I called to confirm that this card was 0 % interest for purchases and balance transfers. The person I spoke to confirmed that yes the card was 0 % interest on purchases and balance transfers for 18 months. Come XX/XX/XXXX I cave and interest charge for about {$180.00}. I called to try and fix it and they said they would send it to people above them and I would get a call or reply and I never did. XX/XX/XXXX comes along and I have another interest fee for about {$170.00}. I call again to resolve this problem ans they said they still are working on it to investigate. It is now XX/XX/XXXX and there is another fee for about {$180.00}. I can't continue to get all these interest fees that I can not afford just because the representative gave me the wrong information about the card. I called again they see nothing on theie end, there is no dispute or any investigation that they can see. It's just an ongoing cycle of calling ans them telling me I will get a call back to resolve this issue. I need to either remove the 3 charges and I can pay it all off the card by doing a balance transfers to another company or they can transfer me to one of their companies but I can not pay these fees that I inquired because their employee gave me the wrong information. If I would of known they were gon na charge interest rate right away on purchases I would of applied for one of their cards that actually have 0 % interest or a diff credit card.
Consumer complaint received 2016-02-28
Product: Credit card — 
Issue: Advertising and marketing — 
Company: TD BANK US HOLDING COMPANY (NJ)

TD bank sent an offer for a card that has XXXX cash rewards for the 1st 6 months on gas, dining, cable, phone, and utility bills and XXXX on other items. They also offered {$200.00} cash back if {$500.00} was spent in the first 3 months. 
I applied on line ( XXXX XXXX, 2016 ) for this card by going to the website on the offer and putting in the code in the letter. 
When I received my statement, I noticed I was given points instead of cash back. I called and was told that the card that I was offered discontinued on XXXX XXXX. The card they gave instead has a lot less benefits and only {$100.00} cash back after spending {$500.00} in the first 3 months. I spoke to someone on XXXX XXXX when I applied for the card and asked about the {$200.00} cash back and verified that this was correct along with the XXXX cash back on specific items for 6 months. 
Why are they allowed to send offers for cards that they are discontinuing? 
Now I have a credit card that I do not want but can not cancel because credit bureaus give bad makes for you to cancel a card. And I might have trouble applying for another card that I would like because of the credit limit they gave me. 
I think this id false advertising.
Consumer complaint received 2016-09-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TENET HEALTHCARE CORPORATION (CA)

Syndicated Office Systems formerly ( Central Finance Control ) is reporting a medical account on my credit report to XXXX that was discharged via Ch. XXXX in 2011. They initially reported the same account three different times. I have sent via certified mail a copy of the discharge and XXXX page but they continue to report the account. At present they are reporting the account as XXXX separate accounts to XXXX. I have repeatedly asked for them to provide proof of a valid debt and date of service to no avail. There is no valid or actionable debt as the debt has been discharged by Judges Order in the 2011 Bankruptcy. This false and fraudulent reporting is preventing me from being able to refinance my home in order to lower my present interest rate.
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MN)

XXXX. 
Every time in attempt to obtain my free annualcreditreport from XXXX the sites CAPTCA codes do not propperly display XXXX 's or XXXX 's. You cant tell the diffrence between an O or a XXXX, or a XXXX or an i. If you are unlucky and fail 3 times your locked out. 
More frustrating is the fact that the credit file questions are completly wrong or their systems are down. You are forced to call the " Big XXXX '' to figure things out. When doing so you are being solicited products. This has to be by design! By LAW they are required to provide a FREE credit report each year via the web interface! What is will you do to improve your Captca code module and what will you do to audit the big XXXX 's web interface success rate vs failure ( mail ) the big XXXX must have their systems up to accept requests, as their internal systems sure seem to work. 

Attached is a screen shot of experian 's bad list of credit file questions that do NOT pertain to me. When I choose none of the above their system fails or says system down.
Consumer complaint received 2016-02-18
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (NY)

I have been paying my XXXX/snychrony bank card balance every month on the first of the month using my autopay feature from my bank. However, I have been hit with late fees as a result of " paying too early because the bill has n't cycled ''. When speaking with the customer service representative, she acknowledged that I was paying early but that the system does n't know how to process early payments. She was only able to credit me half of the late payment fees when I had asked for all of the late payment fees to be credited to my account.
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There 's several names that are fraudulent on my account that I 've never used and I 've asked them to be removed with no resolve. I have even sent in a letter that displays a copy of my driver 's license that was notarized and it still has not been removed! I am tired of this incorrect data being reported.
Consumer complaint received 2015-07-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Recovery Services, Inc. (FL)

I was with XXXX for XXXX+ years. I decided to not renew because I was not satisfied with them. I was on a month to month contract, but, to simplify my life I just paid it annually in advance each year. The last renewal bill I did not pay. I switched alarm companies in XXXX. That same month I got a call from XXXX XXXX asking why I did not renew. I told the supervisor why and he stated he was sorry and asked what he could do to keep me as a customer. I told him I already switched XXXX and there was nothing. He said he would get back to me with a proposal anyway, I said fine, just email it to me. 
I never got that email and therefore did not even think about it. Sine that phone call I sold my home, purchased another and never gave this issue another thought until early this year, I noticed a collections on my credit report. They are claiming I owe {$330.00} for alarm services. Then I got to thinking about what happened. I had some questions. 1 ) Why are they charging me for almost a full year of service? 2 ) Why did n't the supervisor tell me this on the phone in XXXX when he knew I was with another company? 3 ) How long does it take to cancel a service for non payment? 
I called XXXX XXXX and they said they do not have the records anymore I have to deal with the collections company. 
I sent certified letters to the collection agency ( attached ) trying to resolve this and they are refusing my offer. I offered paying up to the time in XXXX that I spoke with the supervisor even though I feel I owe nothing. I think it is more than fair. I now understand that they require an advanced written notice to cancel. I think the supervisor had an obligation to notify me of this when I spoke to him on the phone. There was no way for me to know or remember this procedure from XXXX years ago.
Consumer complaint received 2016-06-03
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America stated that they would assign me a representative regarding an ongoing complaint. However, when I called, they referred me to someone else who has to quickly research the case with little or no prior history of my case. 

The latest one is XXXX XXXX, who has been recently assigned to assist me. He did not leave an extension number. I tried anyway and was referred to someone else. I asked for XXXX XXXX and was told I would have to make a phone appoint which is a week later.
Consumer complaint received 2015-11-19
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (CA)

I had made a purchase of XXXX $ back in XXXX at Target. This was supposedly " free '' if I signed up for a target credit card. I never received the card but started receiving bills for XXXX $ every month from Target on this " free '' purchase. I called target to totally cancel the card but they are still billing me XXXX $ per month for no reason whatsoever. The card is not even activated because I have n't received it. After this call, I still received bills even though it was cancelled. They say that they will continue to bill after a card is cancelled if there is a balance on it. They are charging me XXXX $ for a XXXX $ purchase. I am willing to pay the XXXX $ for the purchase but I will not pay the additional amount for a card that was never received.
Consumer complaint received 2015-06-13
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NY)

Citi Bank has called me a minimum of 3 times ( sometimes up to XXXX ) every day since XXXX XXXX. I realize that I do have an outstanding debt, but lost my last job after a medical issue and started another in the beginning of XXXX. In the time that I have been awaiting my XXXX paycheck ( so that I can pay them ) I have received calls every single day while I try to go about my life and do well in a new profession. 
I called them and was told that it is perfectly legal for them to call me that frequently when I owe them money, but I do not believe that is the case.
Consumer complaint received 2019-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (WA)

In XX/XX/XXXX, I was notified by XXXX that I had adverse credit reporting by XXXX XXXX. I contacted XXXX XXXX and found out the my loan was 120 days late. I had not received any notification from XXXX XXXX  concerning this. I immediately remedied the past due amount and made timely payments for a couple of months. I also filed a dispute concerning their reporting due to the fact that I was never notified by XXXX XXXX. I was denied any remedy to my credit report. I again contacted XXXX XXXX on XX/XX/XXXX regarding my dispute with their credit reporting and the fact that I was never contacted. I was informed that their records indicate that I had been notified by letter and by phone calls. I have never received any letters nor phone calls from XXXX XXXX. I believe that someone within their organization has falsified their records. I have always had a high credit rating. This action by XXXX XXXX has ruined by credit. I have always paid my debts in a timely manner. XXXX XXXX   refuses to make any changes to their credit reporting. I was never contacted by XXXX XXXX. I am the one who contacted them.
Consumer complaint received 2015-11-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Coradius International LLC (GA)

American Coradius International LLC is demanding payment for a debt they allege I owed XXXX in the amount of {$630.00}. I never did any business with XXXX that could have resulted in any unpaid amount to them or American Coradius International LLC. American Coradius International LLC is using unfair and deceptive practices to collect debts that consumers do not owe.
Consumer complaint received 2016-12-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant & Weber (CA)

Attn Grant & Weber : The last correspondence I sent your company on XXXX pertained to a demand for validation. In correspondence dated XXXX your company sent me a simple itemization along with a demand for payment. The itemization showed the debt is over 4 years old and past the statute of limitations. However your company failed to disclose that I can not be sued for this debt. 
This is a blatant violation of Fair Debt Collection Practices Act. Hence, I hereby declare my intent to bring suit against your company under your failure to disclose information required by FDCPA regulations
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

On XXXX XXXX, 2016 I have contacted Experian via US Mail notifying them about Fraudulent credit items appearing on my credit report as a result of identity theft. I included my Police Report and my FTC Identity theft Affidavit. The following accounts that Experian failed to block per 15 U.S.C. 1681 ( c ) -2 1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX 5 ) XXXX 6 ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX Further i have written the companies regarding the fraudulent accounts which has been opened i have completed the fraud affidavits which the companies requested and as of today these accounts are still being reported on my credit report.
Consumer complaint received 2021-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America date : XX/XX/2021 XXXX XXXX XXXX branch XXXX XXXX XXXX XXXX CA I deposited about XXXX USD into the ATM, but the machine showed an error and returned nothing, printed out a receipt to let me call a number which no one answered.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

Revolving XXXX credit account in good standing was terminated by Experian in error in XX/XX/2020. At that time I filed a dispute against the existing balance, as I had paid it off completely and it had not been reported. Instead Experian deleted it and I discovered the error about 2 weeks later when my credit dropped 24 points and pointed out the mistake. However, Experian refuses to correct the error or contact XXXXXXXX. XXXX says they are reporting the account as active but refuses to contact Experian to clear it up.
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (IL)

I would like to take action against I.C. Systems for knowingly violating my rights under the fair credit reporting act - Section FCRA 623 ( a ) ( 5 ) ( A ). I had a debt that was suppose of been taken care of back in 2018. I do not owe this debt. I have fought XXXX XXXX to get this bill credited back to my account. I had XXXX XXXX service in 2018. In XXXX of 2018, i had moved to a different area. XXXX XXXX informed me that they would not be able to connect service in my area do to lack of signal. They said they had no choice to let me out of my contract. They said the early termination fee will be waved in this case. I returned all 3 cable boxes which i enclosed a receipt for. XXXX XXXX applied the early termination fee to my account anyways, along with equipment charges that was returned. I kept calling them to credit these charges back. They finally did in XXXX of 2018. A few years later, i get a bill from a collection agency reapplying these charges. I been fighting these collection agencies because they been illegally selling back this debt when there is no amount owed!!! This is unlawful! Now this collection agency sent me a new bill for the same charges! IC systems has violated my rights by changing the original last day of payment made on this account. The last delinquency date on this account was in XXXX XXXX. I have not made a payment on this account since then. Any past due amounts i have already paid. These charges are for equipment charges which was returned, and for an early termination fee which was suppose to be waved! I have enclosed a few bills i received so you know i am telling the truth. By law, when a collection agency buys a debt, they must keep the original last date of delinquency on the buyers credit report. They are not allowed to change this date in anyway! This is what they call the time of limitations of a debt. The time a debt can legally stay on someone's credit report. They took it upon themselves, and changed this date to the date they bought this debt! This is illegal and unlawful!!! This is not counting the fact that the debt is not even owed! I want to file charges against I.C. Systems for violating my rights under the fair credit reporting act for damages done to my report! I have enclosed documentation for this account.
Consumer complaint received 2017-04-30
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Onity Group Inc. (MD)

It is the practice of my mortgagor , Ocwen, to report my mortgage payments to credit agencies 3-4 months after payment is ma de. For instance, my  XXXX  credit report currently lists  XXXX  as my last mortgage payment as on time.     I would expec t Ocwen to promptly report my most recent mortgage payments to the credit reporting bureaus to insure accuracy of my credit score.
Consumer complaint received 2023-03-17
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. (AZ)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2015-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had a XXXX XXXX XXXX with an outstanding and way overdue balance. When I received a large check from my employer upon my retirement several months ago ( XXXX 2015 ) I contacted XXXX in XXXX of 2015 and spoke with a young lady named XXXX XXXX in the Collections Department. I explained to her that I had come into some money and wanted to settle with XXXX as it is and was the only negative item on my credit report. She pulled up my account and said my outstanding balance was {$920.00} which included several layers of late charges and penalties. She gave me a figure of {$780.00} and explained that XXXX would accept that amount as payment in full for the debt. I immediately paid that amount through my credit union on line. I received a letter from XXXX on XXXX XXXX, 2015 stating that XXXX had received the payment on XXXX/XXXX/15. She also stated that the pertinent information would be sent to the reporting agencies to reflect my payment to close the account. Apparently this was n't done -- or not done properly because it is still affecting my credit score. Please look into this and see what can be done to alleviate the situation.