davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my report.
Consumer complaint received 2017-06-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

I received a phone call in regards to my bill being forwarded to collection from the doctors office, it was two weeks after i visited the emergency room.
Usually it takes about two weeks before the insurance pays there portion and my insurance took extra few weeks to provide me with what i was expected to pay.
I immediately called the doctors office to pay the amount expected from me and i was forwarded to CMRE FINANCIAL who they process payments with anything that is even a day late, but they promised it wo n't appear on my credit report since they understood i did n't receive the statement.
The problem i am running into now is CMRE FINANCIAL went ahead to report as collection that was paid off which significantly impacts my credit for a payment that was fully paid within a normal insurance processing period.
I have asked credit agency 's to delete the information my report without success.
I would like both CMRE FINANCIAL and XXXX XXXX to delete the negative information from my report.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

I had an auto loan with  XXXX   XXXX , the loan was paid off in full with no late payments. It is reporting as dismissed under bankruptcy with late payment after it was paid. I have called several times in attempts to correct this information on my report. I began calling in  XXXX  to get this resolved and as of today the information is still showing incorrectly.
Consumer complaint received 2024-02-20
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 2017-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

The Toyota   XXXX    XXXX  was totaled in collision back on  XXXX . We have been waiting patiently with  Toyota Financial Service filed out claim with Toyota Gap auto protection. After all this time we received a letter that our claim has been denied because document proving the car has been totaled has n't been received by Toyota GAP. The document proving the car was totaled was sent to Toyota Motor credit Corp by   XXXX  and  XXXX  impound and Toyota put value on the car and decided the car does n't worth impound fee and sold the car to impound.. As indicated on the attach letter. Please send this document and authorization to sell the car to  Toyota Guaranteed Auto Protection to pay our claim, also a copy of it  to me.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

On  XXXX   XXXX , I suffered a total loss of  Vehicle  while account was delinquent. My insurer,  XXXX   XXXX , paid the the total outstanding balance on said vehicle after declaring it total loss. The insurer sent secured payoff to bank on  XXXX   XXXX ,  XXXX .   XXXX  Item was disputed to Equifax on  XXXX ,  XXXX  and many times before that. On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX  AGAIN reported to Equifax that debt was still in collection, with {$4500.00} outstanding and {$320.00} past due.   XXXX  A previous comp laint ( Complaint Number   XXXX  ) was filed against equifax on  XXXX ,  XXXX .
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I am trying to recover funds for a transaction dated around XX/XX/2023 for {$180.00}. I had a billing issue with XXXX XXXX in XXXX option and the merchandise and ended up filing disputes with CitiBank in order to recover my funds. 

The seller, XXXX and I resolved things but I prematurely withdrew my Citibank disputes in order to attempt to fix things and I ended up having to pay XXXX with another credit card. They were no longer going to take funds from a disputed transaction. 

I am ok with XXXX at the moment but, because I withdrew my disputes, Citibank reversed the provisional credit but XXXX ended up sending them back the funds for those transactions. I called XXXX to confirm this. Both parties are claiming that I need to talk to the other and no one is willing to resolve the matter. 

Meaning I had to pay XXXX {$180.00} with another card to resolve the original plan and Citibank currently has another {$180.00} for the reversed disputes. Ive reached out to them and had supervisors request to open disputes but nothing has helped me recover my funds from that debt. Citibank refuses to help or credit my account with that duplicate charge. So dont ever withdraw your disputes or even open them to begin with with Citibank XXXX Both parties are claiming that I need to talk to the other and no one is willing to resolve the matter.
Consumer complaint received 2017-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC. (MD)

I have an issue with there overdraft policy. I signed up to have to have overdraft protection. I had about XXXX dollars in my account when i overdrafted it with a XXXX dollar purchase. I had some pending charges which has been already taken out of my back account available balance. My account was positive when i over drafted it. Once i over drafted it i got hit with XXXX {$37.00} dollar fees. And when i look at the pending purchases that got hit with an overdraft fee it was {$2.00} {$5.00} {$4.00} {$0.00} {$0.00} This is not fair that i am charged so many overdraft fees for such small purchases that was not even in my available balance so im looking at my account positive. The bank has misleading information. Its not fair i have to pay XXXX dollars on such small purchases. The XXXX dollar purchase understandable because that is what overdrawn my account. Because i over drew amy account by XXXX dollars i should have owed the XXXX plus the XXXX thats XXXX dollars. My account it overdrawn by XXXX dollars this is crazy And i have a XXXX so its not right they they are trying to confused me even after i told the bank teller in person ....
Consumer complaint received 2017-06-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weinman Acquisition Group (NV)

XX/XX/2017 XXXX PST Approx Received a phone call from Weinman Acquisition Group - XXXX Threatened to serve me papers for a failure to appear in court - advised the lady she was in violation of the Fair Credit Reporting Act and that I would be submitting a claim against her and the company she is representing. She stated that she was not in any sort of violation of the lam and that I would be served with papers to appear in court for a lawsuit. Immediately after the phone call - I received notice that my mother had received a call from the same lady ( *the mentioned phone number is a direct line ) stating that she was just told that I was going to be served papers if I did not return a call and that I would be sued for a failure to appear in court.
Consumer complaint received 2017-07-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MO)

This letter explains the hardship situation which caused me to fall behind on my mortgage payments. I would like to be considered for an Unemployment Forbearance. I have been in/out of work since XX/XX/XXXX, I have not been working continuously since XX/XX/XXXX. My main goal is keep my home for the long term. I am activity seeking employment and plan to be back at work with the next 2 months. I am receiving unemployment and child support payments. I am also receiving food stamps and am getting help from agencies as for as the utilities. I have XXXX daughters in college and I really want to keep my home. I had XXXX last year and thats the start of my financial problems. My XXXX was a success and my XXXX is doing much better. Also, I had XXXX siblings to pass away within 30 days of each other and I have not been able to obtain employment as of today, ( copies of obituaries are attached ).
Despite my recent hardship, it is my full intentions to pay what I owe. I am sure as I write this letter things will be improving. I would appreciate patience and consideration during this time.
This is the letter is sent to US Bank Home Mortgage and refuse to work with me. I have applied for repayment plan and unemployment forbearance, US Bank just keep denying me. Please help I am working fulltime now and receiving arrears in my child support payments.
Consumer complaint received 2017-06-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC (IL)

Loan number XXXX Pacific financial union think in XXXX XXXX I called them they told me to send XXXX I sent XXXX they said not enough sent check back every month after I sent the XXXX plus XXXX .my house payment is about XXXX a month .every month they send back saying not enough .I need help need to get away from them they did this last year to so fustruting. Help please I do n't wan na lose my house .XXXX
Consumer complaint received 2017-07-27
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. (LA)

Incorrect information on my credit reports from EXPERIAN, XXXX and XXXX. Inquiry not authorized by me. Per multiple inquires on my report that are shown in the year of XXXX  and XXXX was not authorized by me. I have spoke with all credit bureau multiple times requesting proof of validation, verification of authorization and nothing have been provided to me yet. Under the FRCA ACT, the bureau 's are responsible for investigating once I request a dispute within 30 days or delete. This error is effecting my credit worthiness. The multiple inquires on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Inquiry Dates XX/XX/XXXX XX/XX/XXXX. Can someone assist me with this complaint.
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (NC)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-17
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. (MS)

I've continuously been sending letters to XXXX XXXX XXXX on XXXX the XXXX, XX/XX/XXXX, XX/XX/XXXX Same for XXXX, XXXX and Experian. 
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Consumer complaint received 2024-03-18
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (MS)

In XX/XX/2024 I contacted XXXX to install Lanterns and Spotlights on my house. XXXX did a loan through Concora Credit and said I was approved. My payment on XX/XX/2024 was minimum {$26.00}. I scheduled additional {$27.00} to be taken out also on XX/XX/XXXX. Concora Credit took out {$170.00} on XX/XX/XXXX from my XXXX Account and {$27.00} my XXXX Account. I called about the {$170.00} and Concora Credit said I scheduled that amount or it was a System error. I told them I didnt schedule that amount and I want them to reimburse me the {$170.00}. I also told them I didnt want them taking anything else out of my personal account XXXX. Around the end of XXXX the {$170.00} was no longer showing on my XXXX Account. Then, Concora Credit decided to go into my XXXX Account again and took out two payments on XX/XX/2024 in the amounts of {$170.00} and {$50.00} totaling {$220.00}. Now, Concora Credit is refusing to reimburse me my money. I have other bills that arent going to be paid because Concora Credit overdrawn my Bank Account and said it would take 45 days for a reimbursement. They asked for a Bank Statement and I gave them one, but still NO reimbursement. They denied ever receiving the Bank Statement I send overnight and signature required. I have proof they received the mail too the po box they gave me. Concora Credit stated that my minimum payment monthly is {$92.00} after accepting {$27.00} in XXXX. Concora Credit said {$92.00} is there fixed payment, but have been all over the place when it come to payments, which is is very confusing, suspicious, and questionable. Every time I call Concora Credit no one can answer my questions and see where the XXXX payments were taken out of my personal account XXXX. I have attached documents of proof of what I am complaining about below. I also filed a complaint with XXXX people need to know that this Company is treating their Customers badly and unfair. Please help me get whats rightfully mine.
Consumer complaint received 2017-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

My father XXXX XXXX XXXX was a patient at XXXX XXXX XXXX Pa. He was transferred from XXXX XXXX to this facility. I ( XXXX XXXX ) am the only family member left to sign him into XXXX. All I did was sign him in and sign him out. I was very clear that I was not responsible for any bills. He has XXXX and XXXX XXXX. I recently received bills and a notice that I was being sent to a collection agency for his medical bills. I called XXXX and questioned why I was receiving any bills. I wanted to know why the bill existed in the first place. He has been a patient there at least 2 times before. They told me that his XXXX XXXX was no longer valid. His payments to XXXX XXXX were electronically deposited so I do n't know why that is the case. I want XXXX to send the bills to the patient and not me. I was not a patient
Consumer complaint received 2017-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

This complain is about Wells Fargo Bank. when I pay my Wells Fargo visa credit card online, from my Wells Fargo checking account, the payment amount is taken immediately from my Wells Fargo checking account but not posted to my Visa credit card Account for a period of 3 days. I can not benefit or use the amount that I just paid on the card for 3 days. It will show online as payment in process. But when the funds of that payment are finally available, it will show online that the money was credited the day you made the payment 3 days before when in fact was not. I have used this same Wells fargo checking account to pay other lenders credit cards, and these others credit cards post with in 1 day or 2 of the payment, and that is the moment my money is deducted from my Wells Fargo checking account. I did complain with the credit card representatives by phone, and they said this is how it is. I end up paying off my balance on this Wells Fargo credit card and close that account. My complain is that wells fargo is playing with the money of their customers for at least 3 days, and this is not a fair business practice.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

I use the card to take advantage of airline miles. I only have the annual fee charged to the credit card account. It has been set up to automatically pay the annual fee ( {$95.00} this year ) from an external bank on XX/XX/2024 ( this year ) as it has done so for several years without a problem. This year it did not automatically pay as expected and I was assessed a late fee. 

I called them as soon as I noticed the bill hadn't been paid which was XX/XX/XXXX. They said I should have had bill pay set up from the external bank. I told them that was a change to the process I was not aware of. 

XX/XX/XXXX I called them back for more clarification to no avail. They instructed me to set up bill pay on the external bank. I called the external bank and they said I didn't have bill pay set up currently or in the past XXXX years that it had been paid automatically. 

If I'm right and I think I am, I got dinged a late payment fee for no fault of my own.
Consumer complaint received 2024-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Account Systems of Omaha, LLC (KS)

This account was paid in full through my XXXX account to the original creditor or they would not have done the work. After they were sold and moved to a new office and got a new system they said I owed this money and would not provide me with a statement of how they came up with this amount OR list any payments that were made to them.
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc. (CA)

I have received multiple text messages attempting to collect a debt. I am not aware of owing any debt to anyone that would be sent to a collection department. 
XX/XX/2021 : " We have a notice from State Collection Service, a debt collector. Please call XXXX or visit our website at XXXX XXXX XXXX Reply YES for info or STOP to end. '' XX/XX/2021 : " Notice from State Collection Service, a debt collector. Document password is 5 digit zip XXXX Contact XXXX Reply YES for info or STOP to end '' I did not receive any other information- not who I owe a debt to or how much. I have not clicked on any of their links or called out of fear of getting a phishing virus on my device. I believe this is a scam.
Consumer complaint received 2017-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

This complaint is concerning my Citi Diamond Preferred Card, ending in XXXX. Citi has assessed ( and I have paid ) two ( 2 ) balance transfer fees ( {$1400.00} and {$300.00} ), even though Citi promised it would not charge these fees. After repeated requests for a refund, Citi has refused. I initiated two ( 2 ) separate balance transfers with Citi, based upon their representation that they would NOT assess balance transfer fees. I relied upon Citi 's false representations to my detriment. On XX/XX/XXXX, I called Citi to inquire about a zero percent balance transfer offer. I was informed that the offer was subject to a balance transfer fee. I told the representative that a competitor ( XXXX XXXX ) offered me a zero percent balance transfer, with no fee, and I asked the Citi Customer Representative if they would waive their fee, and the representative said YES. Therefore, on XX/XX/XXXX, I initiated a balance transfer ( over the phone, during the same call referenced above ) in the amount of {$28000.00} ( and, as a result, Citi later assessed a balance transfer fee of {$1400.00} ) On XX/XX/XXXX, a balance transfer in the amount of {$6000.00} was initiated, via a check, sent to me by Citi ( and, as a result, Citi later assessed a balance transfer fee of {$300.00} ). On XX/XX/XXXX, I chatted with Citi representative named " XXXX '' via Citis website and asked her to refund the fees. She refused. On XX/XX/XXXX, I called Citi customer service, and asked the representative ( whose identity I did not capture ) to refund the fees, and they refused. The matter was referred to Citi 's Executive Response Unit and I was assured that I would receive a resolution within 48 hours ; however, I never received any communication. On XX/XX/XXXX, I called Citi customer service and asked the representative ( XXXX ) the status, and he said it was still with the Executive Response Unit, and I would receive a resolution within 48 hours ; however, I never received any communication. I demand that Citi honor its promise of not assessing a balance transfer fee, and demand that Citi refund the fees ( {$1400.00} and {$300.00} ).