davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-17
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)

On XXXX/XXXX/XXXX I attempted to pay my credit card from Citi Bank. I noticed that I had a high balance and I never use the card on top of having a late fee for XXXX of XXXX even though I paid XXXX on that month they still gave me a late fee. So I called to try to cancel doing business with this vicious bank. They refused to waive fee and did not explain why I got a XXXX} balance despite paying high amounts every month and not using the card at all there is no way my bill can be that high. They also solicited my business by offering me a low interest credit card when I got card it came with a hefty interest rate of ( 23.99 % ) OUCH!!!! are we in America?? 

I requested to close my account and it was a very hard process. I was lied to by the rep at Citi Bank I was told when I made that XXXX payment that if I call in XXXX they will waive any late fee since I am paying a big chunk of bill and on top of that it only a few days. The reason was I was a victum of the Hurricane attempting to help family and friends this was the only reason I was late. Citi Bank and it 's employees did not care. I therefore want to close my account and have a full audit of my account they refuse so I hereby request the assistance of CFPB. 

Outrageous conduct by Citibank it 's called calculated legal theft of monies of millions of poor people.
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Consultants of California (CA)

I did call C.C.O.C ( A Debt Collection Agency ) when I found out that they report this debt to all XXXX credit bureau. I told them that this debt supposed to collect from XXXX XXXX XXXX XXXX and I have a prove of XXXX XXXX A that I filed with IRS that I paid my premium from XXXX - XXXX XXXX. I also told them that I did call XXXX XXXX XXXX  XXXX to confirm that they will take care of this debt. I also send all supporting documents along with the letter to C.C.O.C.. Instead of removing this debt from my credit reports, they sent me the letter state that this debt is valid and will remain unchanged. and also adding interest with this debt.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
XXXX - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the XXXX XXXX compliance standards. 
Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Listed below are the Inquiries that are being challenged XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2017-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I picked up a XXXX in XXXX Ga 2014. The truck was a lemon. The truck made it back to XXXX and quit. I had a mechanic look at the vehicle. He stated the vehicle was a lemon and It would not haul any load because the vehicle reconditioned. The truck broke down and was towed to wrecking yard at XXXX request. I received a check from insurance company in which I then gave to XXXXXXXX XXXX for {$17000.00} I had this vehicle one day which the law allows for 30 day I believe in state of Texas. However how is it that I owe {$16000.00} on vehicle the insurance only paid half. The account does not belong to me but it belongs to XXXXXXXX XXXX XXXXXXXX and the trucking company they guided me to.
Consumer complaint received 2017-10-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings (WI)

Speedy Cash of KS Missouri and XXXX XXXX have decided that though I never gave ANYONE authorization to use my debit card, I have been charged XXXX for an account that I dont nor never had. After trying for one week to get through to XXXX XXXX to reverse the charges, reissue my card and file a formal complaint after 6 weeks they send me a letter telling me that Speed Cash presented them with documentation that I authorized this payment. Whatever they presented had to be fraudulent as I have never given anyone authorization to take XXXX from my meager SSI account. How can I get my money back and make sure this does not happen to me again. Speedy Cash stated that since it was done online, they did not need authorization and refused to return my money. Now, they have docs that say I authorized!! this is straight up fraud. I want them to present to me or an attorney this documentation. Whether it was my sister, son or brother that took my card and used it, it was not authorized. I have had to borrow money to buy groceries, do laundry and other expenses. I start XXXX with XXXX in the hole. How can they get away with this? PLease help me!!
Consumer complaint received 2022-08-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (MO)

I lease a lexxus I believe 2014, about 9 years ago. At the time I right before I return the car. I spoke with a repesentative ( a Few ) which they all gave me different quotes on what was due. First person I spoke to told me didn't owe anything on the lease. So I thought I was done. for a total of year or two it went from not owing the company from XXXX XXXX XXXX. I was frustrated with all the different customer service and no one putting notes in.. Until one person finding the true amount. When I did agree to pay that amount they two came with this crazy amount. Now I am receiving calls and letters from debt collectors. I will not pay a fee that I know I don't owe. I'm am very dissatisfied with this company. Please be careful when it comes to leasing from XXXX. You have to pay extra fees, taxes that they are liable for, but at the end of your lease you will be charge outrageous cleaning fees,. I will never lease nor buy from their company.
Consumer complaint received 2022-11-06
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: Experian Information Solutions Inc. (CA)

On XX/XX/2022, Experian received my dispute for an inaccurate account reporting on my credit, The Company XXXX XXXX is reporting on my profile, and I have no knowledge of this account, I sent Experian a completed FTC report and a dispute letter that I have uploaded with this complaint asking for account verification that I never recieved. This will be my second attempt asking them to comply with the Fair Credit Reporting act section 609 ( a ) ( 1 ) ( A ) providing me with physical verification of the Original signed consumer contract, which they have failed to provide. I am demanding that Experian remove XXXX XXXX From my credit report ASAP due to them not responding within a reasonable amount of time. Also the other two credit bureaus reflect that this account is not mine due the fact XXXX and XXXX are not reporting this account whatsoever.
Consumer complaint received 2017-10-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (CA)

my name is XXXX XXXX. I am in desperate Need of emergency assistance. My friend of 18 years XXXX XXXX XXXX is and continues to be abused, punished, tortured, manipulated -- and illegally slowly forced to XXXX I am a XXXX -- currently unable to pay for renewal -- my friend XXXX is an XXXX -- who is a XXXX veteran a XXXX man with 20 years -- and a former postal XXXX of 20 years is being forced to die. I physically went to elder abuse and social services -- to report that his son XXXX XXXX XXXX and his daughter XXXX XXXX XXXX with her boyfriend XXXX XXXX are forcing extreme abuse. They have committed fraud through his home through XXXX and XXXX XXXX -- WHO ARE CONTINUING TO ABUSE ME THROUGH A PROPERTY I OWN IN XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX -- this is severe fraud that property through my XXXX  XXXX XXXX XXXX and XXXX my sister and theft and fraud please help me and XXXX I am at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX being forced to die illegally also through utility and gas control -- the police and courts are involved in the fraud please help severe theft throught phones, mail banking etc,
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Renton Collections Inc. (WA)

On XXXX XXXX, XXXX, I request debt validation of the following XXXX debts placed for collections at RENTON COLLECTIONS, INC. 

XXXX. Original creditor XXXX XXXX XXXX {$900.00} XXXX. Original creditor XXXX XXXX XXXX, XXXX Balance {$260.00} On XXXX XXXX, XXXX, I mailed a second request for debt validation regarding the above referenced accounts. 
I did not receive any information regarding these debts, and the collection agency has failed to validate the debts. 

XXXX LAST NAME HAS CHANGED FROM XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-17
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. (VA)

In XX/XX/XXXX the Veteran 's Administration ( VA ) reported a debt on my credit report of approximately {$1800.00} due to an over payment made by them. At the time I was stationed abroad as a XXXX, on U.S. government orders. The VA erroneously mailed notification of this over payment to an out of date address.
I did not learn about this debt until XX/XX/XXXX of XX/XX/XXXX.
On XX/XX/XXXX I paid the debt in full in a single payment to the VA. The VA did not process this payment until XX/XX/XXXX. I have a letter from the VA confirming payment in full.
On my XXXX and XXXX credit reports the debt is shown as being paid in XX/XX/XXXX. On my Experian report, it currently shows the debt as in collections as of XX/XX/XXXX.
Initially, my report showed the debt as being in collections as of XX/XX/XXXX, but I filed a dispute with Experian in XX/XX/XXXX.
As a result of that dispute, my credit report was updated to reflect the debt as being collections in XX/XX/XXXX. I called Experian to report the information as inaccurate and was told that only the VA could change the information on file, and I would need to call them. When I called the VA, they confirmed that their records showed that the debt had never gone into collections and that it had been paid in full in XX/XX/XXXX, but stated that the only remedy they could provide is a letter confirming this information to Experian, and that it was my responsibility to correct my own report.
The letter the VA provided me with is the same confirmation letter they provided earlier, stating that the debt had been paid in full in XX/XX/XXXX. When I disputed the information again, also in XX/XX/XXXX, Experian changed my report to show that the debt went into collections in XX/XX/XXXX - which is less accurate than it had been initially.
The information should state that the debt was paid in full as agreed in XX/XX/XXXX instead of stating that the debt is in collections as of XX/XX/XXXX. The dates of pay off are important because it impacts when the information will fall off my credit report, and reduce it 's impact on my credit score.
Consumer complaint received 2021-09-06
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fay Servicing, LLC (IL)

Fay services account # XXXX began foreclosure procedures about 3 years ago. I and Fay mortgage services reached the approval of a short sale. The real estate agent for the transaction was XXXX XXXX with XXXX XXXX The property is XXXX XXXX XXXX, XXXX Il. XXXX. MLS # is XXXX. The mortgage was originated with XXXX XXXX. The property never closed for the sale. No one from Fay Services will respond by phone or in writing. I want Fay Services to take a deed-in-lieu of foreclosure. Or send me a notice that foreclosure was ceased and I have full authorization to list the house and sell it. I also want a payoff with a per dime.

Mostly I am certain that Fay Services have violated federal collection laws by insisting my only option was agreeing to foreclosure and not fighting them. Furthermore, they have been and continues to be deceptive. Please respond to me at XXXX XXXX
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Debt was removed from my credit report after not being able to validate the debt as per my right to FCRA. Then re added back on there which is a direct violation of my FCRA.
A consumer reporting agency shall provide to a consumer in writing, no later than 5 business days after the date of the reinsertion : ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information, and ; ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
I received no such notification and this is a serious violation of the FCRA. I am requesting that you furnish this information within 15 days. If you do not provide the information requested, you must delete ( this/these ) account ( s ) as required by the FCRA. Please send me a copy of my updated credit report after you have completed this request.
I request that these debts are removed immediately as they do not belong to me.
I contacted the credit bureau and there was no validation provided XXXX from XXXX, XXXX XXXX 2017 at XXXX provide any validation about the debt that is allegedly owed. I am extremely upset that my rights were violated and will attempt to take legal action of necessary. 
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Consumer complaint received 2017-10-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (NC)

XXXX XXXX called me claiming to own title to my debt to a XXXX account that is no longer in now Wells Fargo 's system. used current personal information to contact me and threatened to hurt my credit as well as put me in XXXX.
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CA)

On XXXX/XXXX/XXXX around XXXX XXXX I went to the Santander Bank website and saw an offer for a {$220.00} bonus if I open a checking account and have direct deposits totaling {$500.00} or more in the first 90 days and have the account open for more than 90 days. I applied for a new account, successfully opened as of XXXX/XXXX/XXXX, completed the requirements, and did not see the bonus on my account after 120 days. I called the bank on XXXX/XXXX/XXXX and they said they would open a case and look into it. I called Santander back on XXXX/XXXX/XXXX and find out that they have denied me the bonus because they claim that the promotion code ( XXXX ) was not applied during my application. However, I have the application card that clearly shows that the promotion code was used.
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

I filed an identity theft report with the FTC several months ago when I noticed someone had used my private information to obtain credit in my name. Now, Medical Data Services has placed 2 unauthorized accounts on my credit reports and can not prove they belong to me. I would like assistance with helping them remove these unauthorized accounts from my reports.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

According to my rights under 15 USC Code 6802 ( b ) ( 1 ) regarding the obligations of financial institution in disclosing nonpublic personal information to nonaffiliated third parties. According to the law, you are required to : -Clearly and conspicuously discloses to me in writing or electronic form, that my personal information may be disclosed to an nonaffiliated third party ; -Provide me with the opportunity, before my information is initially disclosed, to opt out of such disclosures : -Account Name : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Account Name : XXXX XXXX XXXX XXXX also has incorrect personal information . The correct information is ; Name : XXXX XXXX XXXX : XX/XX/scrub>XXXX  Address : XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX  and Account # XXXX XXXX XXXX XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had a personal CC through MBNA since XXXX of XXXX that eventually became part of Bank of America. Although I rarely used it, it was something I had for so many years that I paid {$1.00} each month just to keep some activity going on the card. After becoming debt free, I did n't need to use a card but it was nice to have in case of emergency. 

Around XXXX XXXX, I realized that my {$1.00} overpayments were adding up and decided to charge less than the total credit on the account for overpayment of around {$50.00} in order to use it up. 

Until that point, BOA happily posted my {$1.00} credit to my account each month. 

Once I made charges totaling {$42.00}, they did not use the available credit on the account to pay it off and when I called them, the agent/representative said that they had recently sent a check for the overpayment to me, and because of that the payment would need to come from elsewhere. 

I 've never cashed or deposited a check from BOA for the overpayment ( an easy thing to check with their accounting department ). 

I called them back to challenge being sent a check and that the balance on the account ( which was in good standing ) of around {$50.00} was greater than the amount owed of {$42.00}. 

Two things are interesting to me.

1. As long as I was paying {$1.00} per month they were happy to take the payment and allow it to grow to approximately {$50.00}. 

2. As soon as I charged {$42.00} to use up that credit suddenly there is a " recently sent '' check for the overpayment credit and that the balance on the account could not be use to pay-off the charges. 

BOA closed the account in XXXX of XXXX and charged off the {$42.00}. 

I 'm out of the money that was in the account as an overpayment and also negatively impacted by BOA closing the account.
Consumer complaint received 2021-09-06
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (IL)

XXXX XXXX  account # XXXX began foreclosure procedures about 3 years ago. I and XXXX XXXX XXXX reached the approval of a short sale. The real estate agent for the transaction was XXXX XXXX with XXXX XXXX The property is XXXX XXXX XXXX, XXXX Il. XXXX. MLS # is XXXX. The mortgage was originated with Wells Fargo. The property never closed for the sale. No one from XXXX XXXX will respond by phone or in writing. I want XXXX XXXX to take a deed-in-lieu of foreclosure. Or send me a notice that foreclosure was ceased and I have full authorization to list the house and sell it. I also want a payoff with a per dime. 

Mostly I am certain that XXXX XXXX have violated federal collection laws by insisting my only option was agreeing to foreclosure and not fighting them. Furthermore, they have been and continues to be deceptive. Please respond to me at XXXX XXXX