davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
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: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/05 Balance : {$0.00}
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

I wanted to start. College XXXX 2016, so around XXXX I requested my free annual. Report I needed to finance a new car for school. I was told I would be receiving my free report within 14days. Well still nothing I 've called several times only to be hung up on and then transfered. To 5different. People where. Again no report. Last year I ordered it and nothing so I wanted to be paying off my bills which I would have got a new car financed but I did n't get financed and the letter states it 's because of experian and Equifax reporting so I could n't start school could n't get financed for a car and what does it matter to them
Consumer complaint received 2020-08-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2019 I charged some items to my Victoria Secret Credit Card {$90.00}. The cashier was on line with a representative because the cashier was having problems with the credit card. The representative spoke to me on the phone both the cashier and representative were taking to long to take care of me so I told the cashier to cancel my purchase and she did by phone and transaction. I asked the cashier if my transaction was canceled correctly she said yes. I did not take the items the items were left at the counter and I left. The following month the bank was charging me for something that I don't have and months went by now creditor 's want to collect {$300.00} they are harrasing me for money that I do not owe and my credit is bad becuase of this please help with this situation.
Consumer complaint received 2016-09-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of america has been a nightmare for me this month with their messed up claims depth, to all their crazy fees, and fees that do n't make sense at that. They have poor customer service, in which they do n't do enough to help or get anything resolved for you! This is my fifth complaint, and I will keeping complaining everyday till bank of America helps me get my {$200.00} stolen from my account, all the mystery fees on my account, and a {$35.00} I got today for XXXX cents taken out by XXXX, in which I did n't know because I never authorized XXXX to do that! These companies take advantage of little people like us, because I work hard for my money and ca n't afford all these smacks bank of America has given me with taking my money! I am switching banks, once I get my money back because I just ca n't trust this bank anymore. I never do any claims because it 's embarrassing and their claims process is corrupt and unjust to the customer!!! I am not so XXXX off the street! I am XXXX yrs old and never dealt with such bad service!!
Consumer complaint received 2018-05-28
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. (FL)

XXXXXXXX XXXX XXXX still reporting open with a balance on my credit reports. The account was paid off on XX/XX/2018 which is well over a month from now. This is a violation of the FCRA federal law and I will seek litigation if this issue isnt resolved immediately. The account should reflect paid in full with a XXXX  balance and never been late!
Consumer complaint received 2020-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

The Debt is not mind. I sent Police reports, and letters to them about the problems that I got with Identity theft. But they still garnished my wages. I filed another one. I do not understand the law. Why should we pay for Banks mistakes that's not right. What protects a person form Identity theft. It effects so many people. I use to think we had a better system than we do. I have notified the Credit agencies of the problem and put a freeze on my SS number and credit info. Debt collectors need better research, like pictures, finger prints. I have been having problems sense 1979. Someone used my name and put a middle initial in it. Used my SS number and change a number in it. Almost every year for the last twenty years or more I have got some kind of notice from these debt collectors. Please look in to some of the unfair tactics that are being used. Who protects the poor person who can not afford a lawyer to deal with situations this? And they know this. Thanks. ( I believe you guys know something wrong that is why you have this page. )
Consumer complaint received 2016-07-26
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CNG FINANCIAL CORPORATION (WI)

Received a call today as a message. 

You or your attorney call XXXX XXXX XXXX XXXX Figured out who called by looking up the number with the XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,, XXXX, XXXX, NY XXXX Called and asked XXXX XXXX XXXX as message stated. 

Basically I was told that they wanted {$2100.00} today. I said I could not pay that and that I would look into monthly payments if they sent me the original agreement. 

Told XXXX XXXX I would call him back on Wednesday, XXXX XXXX, 2016. 

I would like the CFCB to be the go between.
Consumer complaint received 2016-07-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Recovery Services, Inc. (AZ)

I had a XXXX done in 2012 in XXXX XXXX, NV. I had XXXX XXXX XXXX ins. I paid my {$100.00} deductible the night of the study. Time lapsed. I started getting calls from Southwest Recovery Services ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) about the XXXX center bill. After many calls to my ins co, SW Recovery and the XXXX company 's supplier, I found out : XXXX center went out of business, but before closing they sold the accounts receivable accounts to SW Recovery. In addition, XXXX Co never turned in a claim for my XXXX to my ins co. It is the responsibility of the XXXX to bill my insurance co or to at least let me know they did not bill so I could handle the paperwork. They did not. By the time I found out the allotted time to file a claim had expired. I did not know that the XXXX co did not bill the ins co until I started receiving calls from SW Recovery. I have all the records of SW Recovery phone calls. 

The original collection bill from SW Recovery was in the amount of {$3600.00} but SW Recovery reported a total of {$7900.00} to the credit bureau. SW Recovery also listed each charge as a line item. There are a total of XXXX negative individual listing entered on my credit report. 
I sent certified return receipt letters to all XXXX credit bureaus explaining that the medical bill for the XXXX was the XXXX company 's responsibility. Some of the bureaus removed a few entries but not all of them. 
I can forward you a spreadsheet of the phone records of the calls SW Recovery made to me. All but the first few calls were after I had told them I was not responsible for the XXXX bills and not to call me. The calls continued. Over two hundred calls. 

I had requested from SW Recovery a detailed list of what I owed. They could not provide any detail at all. They said they had no record of the billing, yet they gave XXXX individual items to the credit bureaus which totaled {$4200.00} more than I owed. 

Please help me get the SW Recovery derogatory items removed from my credit reports. Your help is appreciated.
Consumer complaint received 2016-03-03
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (TX)

Citi Double Cash credit card gives you 2 % cash reward ( 1 % when you make any purchases and another 1 % when you pay the balance. ) I bought a phone from XXXX XXXX using XXXX credit card. When I returned the phone, an XXXX staff asked me to give him a card so he can put the refund money on it. Because of my confusion of having too many cards, I gave him my Citi Double Cash card. 
When the {$1000.00} refund transaction was clear, Citi thought that it was a refund from my using their credit card, so they deducted {$4.00} from my cash reward balance instead of giving me {$9.00} more ( I spent {$540.00} on purchases and paid {$350.00} I owed them. ) Thus, my total loss was around {$13.00}. 
I called Citi and explained, a guy ( I ca n't recall his name ) said he did a dispute, and I could expect to receive {$15.00} back in XXXX5 business days. 
Today XXXX/XXXX/16, I called back asking why I have not seen the {$15.00}. Another guy said he was not able to find any disputes on my account, which means the first guy lied to me. After talking to his supervisor, this guy said they refused to give me the money. 
I think this is absolutely wrong. The amount of {$1000.00} was not from Citibank. I did not use Citibank 's credit money to make the purchase. It was supposed to be considered as 'payment ', not 'refund '. Thus, they had no rights to deduct anything from my cash back reward. Please help me work out a solution with them. 
Thank you.
Consumer complaint received 2016-06-15
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NY)

Opened a savings account with TD bank on XXXX XXXX and have made XXXX transactions ( electronic funds transfer ) online to and from my checking account. Was informed by TD that it is their policy to only issue quarterly statements, regardless of the number and nature of transactions made in that month. 
Regulation E 1005.9 directly refutes that policy.
Consumer complaint received 2024-01-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

I have reached out to the rental property regarding the matter, but there has been no response for approximately twenty business days. Additionally, I have contacted the debt collector, who asserts they sent two emails requesting proof. Despite this, the third-party company continues to report inaccurate information on my credit profile. I have also provide proof of the debt being paid in full!
Consumer complaint received 2017-03-13
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (TX)

I received communication from Discover Card that they had removed or discontinued some sort of consumer protection service from my account that I had no idea had been activated. When I researched the issue, they had been charging me for more than 50 months for something I knew nothing about. When I called to have them remove the charges from the card, they said they would only remove 6 months worth. I asked them to produce some form of documentation showing where I had signed up for the service and they could not. I would like those fees refunded.
Consumer complaint received 2016-06-18
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CNG FINANCIAL CORPORATION (OH)

I sent a certified letter to Check N Go to stop the ACH payments from my account with XXXX ( located XXXX XXXX XXXX XXXX, XXXX, OH XXXX ) I took the letter into XXXX to show them and they still charged me a {$33.00} for a stop check fee. I received the certified mail receipt back from Check N Go acknowledging receipt of the certified letter. Yet, Check N Go proceeded with the ACH authorization requesting payment of {$1400.00} and XXXX XXXX let the charge go thru. This left a negative balance on my account and left me with absolutely no money for a week ... no food, no meds, no gas. Nothing for both me and my husband!
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (MI)

In XXXX 2015, we made a {$12.00} payment to our Citibank credit card account, which was the full balance. For reasons that have never been adequately explained to us, this payment was returned to our account at XXXX XXXX by Citibank. Citibank then charged us a {$35.00} late fee after rejecting the payment for the principal. We sent the payment for the {$12.00} principal, and called Citibank, requesting that they waive the late fee. They refused to waive the late fee, for reasons they would not explain. We requested that the account be closed, and were told that this would be done. 

About two weeks later, we were contacted by Citibank again, requesting payment. At this post, they had charged a XXXX {$35.00} late fee, apparently related to the XXXX late fee, as we had already paid the principal. They also told us that the account had not been closed, despite our prior request. 

Tonight, after speaking to XXXX different representatives at Citibank, we were told have an approximately {$82.00} balance with them, reflecting their fees upon fees for an initial {$12.00} charge. They confirmed that they had returned our payment, but could not explain why it was returned. They could not explain why our prior request to have the late fee waived was denied, and they could not explain why our request to close the account was not acted upon. They stated that they will have a manager investigate this further. 

The highest level contact I have made to date was with XXXX, ID # XXXX. We have made about XXXX calls to date to Citibank to address this, and we have no resolution at this point.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

This is the XXXX time I am sending a complaint for inaccurate information reported on my credit file. You did respond but you did not investigate the information I disputed for the XXXX time. You responded that my address, ssn, and case # was correct. I did not dispute that information at all. Did you read what I disputed? Did you actually do an investigation? 

Now what I am disputing is the accuracy of the court name and the county of the court. The information is still not accurate. THE NAME OF THE COURT AND THE COUNTY OF THE COURT IS INACCURATE. Now I know I have a right as a consumer to accurate information on my credit file and for reinvestigation. This inaccurate information you are reporting is hurting my ability to obtain credit. Now I wonder if you actually did an investigation or not. You said you got this information from XXXX but did you actually check it? Did you even look into the information or did you quickly label it as accurate/verified? 

I am sending the same letter I sent you before with all of my information and the response you gave me that DID NOT ANSWER MY DISPUTE. YOU just randomly answered something I did not dispute. 
I AM NOT ASKING YOU IF MY ADDRESS, SSN #, AND CASE # are correct. 

By law you I have a right to reinvestigation and accurate credit reporting.
Consumer complaint received 2022-02-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX, of this year I sent in a letters to XXXX, transunion and XXXX about incorrect items on my credit report. Due to these incorrect items on my credit report. I have been unable to obtain credit or get a new job. This incorrect information reporting has harm my life and credit. It has been 30 days without a response from the bureaus. According to the law their suppose to reply within 30 days which they have not.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion has consistently allowed XXXX to report on XXXX mortgage accounts negatively since XX/XX/XXXX ( 9 years ). Transunion has also allowed them to modify the terms and dates for derogatory information being reported. This is in direct violation of the Fair Credit Reporting Act. Additionally, the accounts in question were deeded back to the bank and the bank WAIVED its right to purse any default judgment, but Transunion is still showing the accounts as being over XXXX days past due since XX/XX/XXXX with no updates to my credit profile since that time. XXXX reacquired the property on XX/XX/XXXX. I want the information deleted from my credit profile in accordance FCRA ( time limits for reporting ). The original XXXX date of delinquency for these accounts was in XX/XX/XXXX when I filed bankruptcy. From the day they were notified I filed bankruptcy, they reported that accounts as being in a bankruptcy for XXXX years. When my bankruptcy was XXXX, they have made all kind off erroneous changes in order to hinder my credit standing. All accounts that were included in the bankruptcy was removed, however ; Transunion has refused to remove and comply with the FCRA.
Consumer complaint received 2015-10-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

I received my mortgage loan XX/XX/XXXX and refinanced XX/XX/XXXX. The mortgage showed on my credit report until then but dropped off after the refi and I was n't told this was going to happen. I 've had over 4 years of on time payment history that is n't reflecting and I would like it back on my report. I called Chase who told me to call the XXXX reporting agencies. I called and they 're all telling me they can only report what 's given to them and if Chase does n't provide the info, then they can not report. Do I have any options at this point?
Consumer complaint received 2022-02-11
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. (OH)

New debt has shown up on my credit report that is a flat-out lie. Equifax has reported that I owe XXXX XXXX {$370.00} and the debt collector is a company called XXXXXXXX XXXX XXXXXXXX. I find that hard to believe when I actually have documentation directly from XXXX showing this balance is PAID IN FULL!!!
Consumer complaint received 2021-05-21
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: EQUIFAX, INC. (IA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2016-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONLINE Information Services, Inc. (CO)

I disputed that the debt was mine. I had a residential account to supply Electricity to my house, and when I moved I paid in full the remaining balance and closed the account. That was in XX/XX/XXXX. I disputed XXXX account with the credit bureaus, stating it was paid and not my debt. The bureaus removed the collections accounts after XXXX was unable to verify the debt. one month later XXXX submitted XXXX separate collections accounts, with the same Claimed debt, but this time they also re-aged it to claim it was opened in XXXX/XXXX/XXXX a full 4 years later, especially after failing to verify the debt to the credit bureaus this is not appropriate, I have disputed this issue again, but XXXX will not remove the fraudulent information.
Consumer complaint received 2015-09-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Senex Services Corp. (NJ)

Health Insurance paid what they would pay for same service if doctor on network was usedI am filing a complaint because of the disrespectful attitude by XXXX who is an employee of Senex Services when I called to find out why their name came up on my credit file for an amount of {$120.00}. She asked me to spell my names which I did. When I asked of her name, she was hesitant and rude about it but later told me she was XXXX. However, she refused to tell me her last name. She was only interested in my making payment immediately for a debt that is suppose to go to XXXX ( my health insurance provider ). She was so rude that I was wondering if she was forced to be at work today. I wish she could play the tape to you as she claimed it was being taped. 
My health insurance has already made payment that they pay doctors on their network who render the same services. XXXX XXXX XXXX was given my health insurance card and if they decide to use a doctor out of network, then it is their fault. I should not be responsible for their negligence. 
The fact that SENEX has access to my credit file is not enough to hire employees that have no respect. They can not just go to someone 's file and begin to put lien to people credit file
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

IM VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX, AND XXXX REPORT AND NOTICED ACCOUNTS AND INQUIRES 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.