davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (MD)

On XX/XX/XXXX, I received a debt notice from Phoenix Financial Services for a medical bill. My underaged son was seen on XX/XX/XXXX and we never received a bill prior to receiving this debt notice. I called Phoenix Financial Services and inquired about the bill. I then called my insurance provider ( XXXX  ) and they informed me that they were never billed by the medical staff. I called Phoenix Financial back and explained to them that their client never billed my insurance and that they needed to do that, I then gave them XXXX 's address. On XX/XX/XXXX, Phoenix Financial called me back to attempt to get the debt resolved by me paying the bill, I then informed them again that their client did not file a claim with my insurance company and I was not going to pay the bill. In XXXX of XXXX, I checked my credit report and saw that Phoenix Financial just placed a collections report on it. After I provided multiple rebuttal attempts to the credit agencies to get it removed from my account, I decided to contact XXXX to see if a claim had ever been filed. XXXX informed me they a claim was indeed filed and the Medical Provider was paid on XX/XX/XXXX. XXXX sent me an Explanation Of Benefits and I provided it to the credit agencies and XXXX was the only agency to remove the collections from my account.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied for a bank account and was denied with the reason I am in chexsystems. I had no idea i owed a balance as I reported fraud on the bank account. Bank of america is incorrectly reporting an account balance of {$290.00}. BofA is known for fraud and my account was attacked.
Consumer complaint received 2022-04-07
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. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : $ XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$1500.00}.
Consumer complaint received 2022-04-07
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. (CT)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX  Account Number : XXXX Has violated my rights. 

15.U.S.C 1681 Section 602A states I have the right to privacy 15.U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written permission
Consumer complaint received 2020-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I requested that my Simple checking account be closed and the remaining funds remitted to me by check. On XX/XX/XXXX, the company responded. They closed my account but are refusing to provide me with my remaining funds because my balance was less than {$1.00}. This is theft. They need to give me back my funds immediately.
Consumer complaint received 2024-03-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (DC)

My TARGET RedCard was hacked via online for gift cards on Tuesday, XX/XX/XXXX, and FRAUDULENT CHARGES were applied in the amount of {$700.00}. When I discovered the incident, I immediately contacted TARGET and they stated they would resolve the matter by reverting the charges. Also, on Tuesday, XX/XX/XXXX, I made an online purchase of items in the amount of {$60.00} ; the package of items delivered to my home on XX/XX/XXXX, was rummaged and stolen enroute. Again, I immediately contacted TARGET and made them aware of the situation and they stated they would resolve the matter by reversing the charges. As of today, most of the charges applied to my Red Card were NOT reversed and I am being asked to pay an accruing and running bill full of penalties/late fees. I tried to resolve this matter with TARGET regarding the issues that occurred on XX/XX/XXXX and XX/XX/XXXX, via telephone and by completing a TARGET Credit Card Fraud Claim Form but they have failed to properly investigate the matter and to resolve the matter. 

It is very strange that the FRAUDULENT CHARGES for {$170.00} and {$350.00} were removed by TARGET but the charges for the {$180.00} were not removed with ALL of these charges were made on the same date; same type of purchase ( online/gift cards ) ; and within minutes of each other. 

As of XX/XX/XXXX, I received a bill stating that I owed {$280.00}, which includes the {$180.00} FRAUDULENT CHARGES for the gift card on XX/XX/XXXX ; {$60.00} for the items ordered on XX/XX/XXXX ; and the continual late fees/penalties. 

I am asking for the FRAUDULENT CHARGES along with the CHARGES that were CANCELLED in the amount of {$280.00} along with any accruing charges and penalties be removed from my account and also for my credit report to be restored and for ALL reflections of late payments/penalties be removed from my credit report immediately. 

Attached you will find supporting documents and a letter explaining everything in detail to better assist you with your investigation. I tried to upload the supporting documents but the file was too large so I will have to mail them directly to your office but the attached letter will give you an idea as of what is going on with my COMPLAINT.
Consumer complaint received 2022-04-07
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. (CT)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX  Account Number : XXXX Has violated my rights. 

15.U.S.C 1681 Section 602A states I have the right to privacy 15.U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written permission
Consumer complaint received 2021-07-15
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: SunTx Capital Partners (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (CA)

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

COMENITY BANK XXXX XXXX
Consumer complaint received 2020-07-07
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: CITIBANK, N.A. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (VA)

XX/XX/XXXX, I contacted Commenity who is the service provider for the Frontgate credit card to determone how to take advantage of the 20 % birthday coupon. The associate advised it would come on my statement. I explained my balance was XXXX and therefore wouldn't get a statement. He then concluded it would come in 1-2 billing cycles. Come where? I explained that the Frontgate website says the coupon expires at the end of the birthday month which would be XX/XX/XXXX. My birthday is XX/XX/XXXX. Associate advised that was inaccurate. Then they suggested I make the purchase and it would update in 1-2 billing cycles. I asked for a manager and after awhile the associate disconnected the call. I called back and was able to get a supervisor. While speaking with them, I got an email advising that my email address had been changed. I DID NOT REQUEST ANY CHANGES TO MY ACCOUNT! The associate that disconnected my call changed the email from XXXX to XXXX. If I had not received the email I would not have received any further communication including my next billing statement. I also wouldn't receive any surveys regarding their service. I'm very upset that an associate was equipped to answer simple questions. Is the Frontgate website misleading about the Birthday coupon or is the associate help system wrong?
Consumer complaint received 2018-02-27
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: TOYOTA MOTOR CREDIT CORPORATION (MD)

The company is Toyota Financing. They have me reported 30 days late for XXXX & XX/XX/XXXX. On both instances I spoke with a representative and they assured me that I would not be marked late. I have had trouble with them previously when I had my last XXXX when they reported me late in error and then removed the lateness. 

The 2 late payments was removed and then all of a sudden put back on my credit report and I noticed it when I went to apply for a house loan and they stated you have late payments on your credit report. I am very frustrated with this organization and really wish I could turn this car in and not have to deal with them going forward. 

I was also discriminated against on a phone call not to recently ago when contacting Toyota the lady was very rude and talked down to me. 

As a result of these mistakes one of my credit cards went from a credit limit of XXXX to XXXX. I really need to be compensated for this issues and really wish I did not have to deal with them anymore constant mistakes over and over again. I hope this shines a light on them. 

All three credit reporting agencies are reporting the lateness despite my disputes. 

They are also reporting my XXXX XXXX when that car has been sold already. 

Thanks,
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

i spoke to a lady on the phone and she said this account should not be in collections also. the loan was already sent to a new company over a year ago they are stopping me from buying a house from reporting the wrong info i need a letter stating this account should not be on my credit report, and remove it from my credit report.
Consumer complaint received 2020-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KLS Financial Services, Inc (NC)

The charges are from my daughters primary care. I paid invoice in full and still collection agency droped 2 collections one of reach daughter. 

My daughters were shown in XX/XX/2020 at XXXX XXXX XXXX NC   location. I paid full balance when i received the first bill notice from XXXX XXXX and i informed same to collection agency 'KLS FINANCIAL SERVICES '' that i paid balance in full. But still they dropped the collection charges on my account.
Consumer complaint received 2021-05-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NV)

To Whom it may concern, Since XXXX, I have made numerous attempts to try selling my home ( XXXX XXXX XXXX XXXX., XXXX XXXX XXXX NV XXXX ), but failed due to a lien Wells Fargo placed on my home. 

In XXXX, I received a home loan along with a HELOC loan through Wells Fargo Bank. Unfortunately, due to some financial hardship I filed for bankruptcy on XX/XX/XXXX, assuming my HELOC loan would be cleared along with my other debts. 
I then realized the HELOC loan was not cleared with my bankruptcy when I tried to sell the house in XXXX. I was told by a title company that Wells Fargo put a HELOC lien on the house. 
I then immediately made numerous attempts to ask Wells Fargo what I needed to do for them to call the state recording office for a lien removal. Wells Fargo shut me down and told us they will not help with this case. Their reason was my HELOC loan was sold to another loan company, and I will need to clear with them. So, I hired a legal advisor. My lawyer followed the paper trail and found out the servicing company that bought the loan is no longer in business. The title company attempted to remove the lien using their contacts and resources, but was not successful. Since the loan was bought from a servicing company, instead of a bank, FDIC can not help me to remove the lien. 

At this point, I have exhausted all my resources and my funds to resolve this problem. I am tired, frustrated, and saddened by how everyone especially Wells Fargo could not help with what I feel is a simple case. All Wells Fargo need to do is call the recording office and clear my lien. 

Thank you, Sincerely,
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I would like to order my full report from XXXX XXXX, SAGE STREAM, XXXX. I am having issues with inaccurate information on my credit report that has been reported from one or all these CRA 's. I need my correct information to reflect on my file.
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I would like to order my full report from LEXIS NEXIS, XXXX XXXX, XXXX. I am having issues with inaccurate information on my credit report that has been reported from one or all these CRA 's. I need my correct information to reflect on my file.
Consumer complaint received 2021-12-03
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. (FL)

I have several fraudulent Inquiries on my credit report that Transunion is Reporting, I've contacted Transunion and these creditors and they still have yet to be removed. I have no recollection of giving these companies access to retrieve my credit report. These inquires are from the following companies. 

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 2021-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (GA)

Credit Corp Solutions reported to credit bureaus on my personal credit account that I owe {$470.00}. In 2017 this balance was approximately {$100.00} only. This was business purchase and had nothing to with my personal account. 

This is the factual detail : The XXXX XXXX XXXXXXXX Credit card was strictly received and used for my business in Hawaii. This is the business place, where I had invested my life savings and significant capital contribution. I was serving a niche market and had plan to grow. During the expansion process, I hired a licensed realtor, to sell my investment in 2017, so I can relocate my business in a different location and execute my expansion plan. 

During the sale process the realtor colluded with a group of people and fraudulently possessed all my investment, all inventory, everything next thing I had in my business premise. These group of people thrown me out of my work place and brought a sudden halt to my cash flow. 

This is when I became helpless and struggled to survive. The domino effect of this cruelty by the group of people caused a chain of negative impact in all areas of my life. I am still in the same situating, pushing and working hard to survive and hoping to get back in my business. This is when I will be back to do business with XXXX XXXX and all remaining line of business I dealt with. 

This is a sincere request to please " do not impact my personal credit, the charge of {$100.00} was strictly for business. And my business investment fraudulently possessed since 2017 '' Please remove this negative item from my credit. Your consideration is required and requested.
Consumer complaint received 2021-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MO)

On XX/XX/XXXX, I was confirmed successor in interest for a mortgage in which the original borrower was deceased. I applied for the mortgage assistance program as requested by the bank, and was set up on a trial payment plan to begin the loan modification process. Upon completing the trial payment plan, I was asked to provide additional information, and advised over the phone that i would not need to make another payment until XXXX. On XX/XX/XXXX, I attempted to login to submit the documentation that was requested of me, and I received a notification that my account was XXXX. Upon calling US Bank, I was told that I was not Successor in Interest, and that my information was no longer in their system, and the customer service representative was no longer allowed to communicate with me regarding the status of the loan. 
I was told multiple times on a recorded line that foreclosure would not take place since I made the trial payments as a confirmed successor in interest, and that a loan modification would be provided to me without issue.
Consumer complaint received 2021-09-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC (NV)

American Credit Acceptance is still claiming I owe them a debt when pursuant to 15 USC 1692g ( c ) admission of liability may not be construed by any court of law and 15 USC 1692g ( b ) Ive requested they send me a signature of the original creditor because in accordance with the law they can not collect any debt until they do so.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

My Social Security # was used to apply for credit without my consent or my authorization and I reached out in the past on older inquiries and those still exist alongside the new ones. I've included a Dispute letter with all Three Credit Bureaus addressed.
Consumer complaint received 2020-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2024-03-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (WI)

I was trying to get the loan forgiveness from fed loan I paid them and they lost their contract. I went to XXXX XXXX where they got all this money but closed down. So Im paying for nothing. Im under poverty. And under 15USC 1666b. They need to remove payment. This was in XXXX.
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I have informed Bank of America on XX/XX/XXXX that I wish to close all accounts I hold jointly with my husband with their branch in XXXX FL ( XXXX XXXX ). Bank of America XXXX have replied on XXXX. XXXX, XXXX that the account can not be closed at this time because of pending transactions that havent been posted. 

There are no pending transactions anymore since XX/XX/XXXX as all recurring payments ( like subscriptions ) have been transferred to another bank. Therefore, there is no motive not to terminate the account. 

Bank of America continues to debit charges and have now requested a transfer of {$7200.00} to balance the account. 

I would appreciate if CFPB could help resolve this matter.
Consumer complaint received 2022-04-07
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. (NC)

XXXX- XXXX XXXX have attached the response from XXXX Experian needs to remove this XXXX from my credit report. attached is their response that states they don't own the account and I have attached the receipt that shows this account WAS PAID IN FULL TO THE CREDITOR WHO OWNS THE ACCOUNT WHICH IS NOT COMENITYCB/HSN BUT THEY ARE THE ONES REPORTING THE INACCURATE ACCOUNT TO EXPERIAN PLEASE XXXX NOT TELL ME YOU [ RE GOING TO CONTACT THE CREDITOR BECAUSE FOR MONTHS I GET THE SAME ILLEGAL E-OSCAR RESPONSE FROM EXPERIAN AND XXXX I HAVE ATTACHED LEGAL DOCUMENTS DIRECTLEY FROM THE CREDITOR REMOVE THIS ACCOUNT IMMEDIATELY I HAVE ATTACHED MY COMPLAINT FROM THE XXXX XXXX XXXX ALSO