davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX is a charged off account from 2014. The company continues to report a past due balance. Experian and XX/XX/XXXX continue to post 90 day lates each month from the company. My FCRA rights are being violated and the account needs to be immediately removed. This account has been reinvestigated multiple times and is not being corrected which violates my FCRA rights. 


The date of last activity doesnt match. Theres no close date or high balance reported for Experian or XX/XX/XXXX 

My attorney will file a lawsuit in XXXX XXXX, GA because this is harming my changes of obtaining a mortgage. 

Remove this account as enough time has been provided to give accurate information.
Consumer complaint received 2022-07-19
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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.
Consumer complaint received 2024-03-17
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berlin-Wheeler, Inc. (Kansas) (AZ)

Subject : Dispute of Unlawful Reports on My Credit Report Dear [ Credit Bureau ], I am writing to dispute certain items on my credit report that I believe to be inaccurate and unlawful. Upon reviewing my credit report, I noticed discrepancies that are negatively impacting my creditworthiness. 

I request that you investigate these discrepancies and remove any inaccurate information from my credit report as soon as possible, in accordance with the Fair Credit Reporting Act. Additionally, I would like to receive a copy of my updated credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-19
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 instruction
s.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX is a charged off account from 2014. The company continues to report a past due balance. XX/XX/XXXX and Equifax continue to post 90 day lates each month from the company. My FCRA rights are being violated and the account needs to be immediately removed. This account has been reinvestigated multiple times and is not being corrected which violates my FCRA rights. 


The date of last activity doesnt match. Theres no close date or high balance reported for XX/XX/XXXX or Equifax. 

My attorney will file a lawsuit in XXXX XXXX, GA because this is harming my changes of obtaining a mortgage. 

Remove this account as enough time has been provided to give accurate information.
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I am writing to BEST BUY/CBNA because I am having difficulties with applying for new credit cards. I paid the account and do not owe anything, but the late payment on XXXX 2017 in XXXX, XXXX and XXXX reportx prevents me from achieving the desired results. 
I am kindly requesting BEST BUY/CBNA to remove this late payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. ()

With Reference to Credit Card Ending XXXX, I had sent Many Mails to Citibank Customer Care and Grievance Cell and Citibank had sent Mails to Revert in 5 Business Working Days from Last 15 Days for the same, They had Given Me Reference No. XXXX & XXXX But No Any Mail Received from Citi bank Regarding Solving the Issue. They Were Charged Joining Fee as When I had taken Credit Card at that time, Concern Citi Bank Sales Executive told me that It was Life Time Free and No Any Hidden Charges also to Be Levied But Citi bank Charged Joining Fee of Annual and I had sent Many Mails to Concern Citi Bank Credit Card Department But No Any Resolution Given by them .... Please help me for the same
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (NY)

I sent a letter on XX/XX/2022 to remove account that is UNKNOWN to me. I came across this law today and according to the XXXXer FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block any account or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again. 
XXXX XXXX XXXX XXXX : {$930.00}
Consumer complaint received 2024-03-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Healthcare Finance Direct LLC. (IL)

Hello CFPB, I hope this message finds you well. My name is XXXX XXXX. I am writing to you regarding a contractual matter involving XXXX, which has led to considerable challenges following their bankruptcy filing on XX/XX/XXXX. 

On XX/XX/XXXX, I entered into an agreement with XXXX for XXXX  goods and services. The terms of the contract stipulated monthly payments processed by Healthcare Finance Direct, LLC ( HFD ). While I received the initial box of retainers, the cessation of XXXXXXXX XXXX services, coupled with contradictory statements from HFD, constitutes a breach of our contract. Despite numerous attempts to reach XXXX via phone, mail, or website, they are unresponsive. 

Following their bankruptcy, crucial aspects of the services, such as the lifetime guarantee, dentist interactions, and treatment continuation, have ceased. Nevertheless, XXXX insists on monthly payments, leaving millions of patients stranded. I sought clarification on the legality and fairness of these actions, particularly concerning the uncertainty surrounding the original agreement and threats of collections from HFD.

Of particular concern is the discrepancy in roles outlined in the contract. While XXXX is designated as the creditor, HFD claims to be the lender, contrary to the contract terms. Moreover, during a recent phone call with HFD, they admitted to being the creditor/borrower, despite their role as a payment processor in the contract.

In response, I suspended all payments to XXXX through my XXXX XXXX account. However, HFD continues to demand payment, insisting that I owe them despite their lack of clarity regarding the recipient of these payments post-bankruptcy.

This situation is deeply concerning as it undermines the integrity of our contractual agreement and raises questions about consumer rights and justice. I would greatly appreciate your guidance on navigating the complexities arising from XXXXXXXX XXXX bankruptcy and HFD 's actions.

Furthermore, I wish to inform the consumer financial protection company that on XX/XX/XXXX, HFD contacted me, urging me to halt disputes with my bank regarding payments made to XXXX. Despite my inquiries about the legitimacy of these payments to a bankrupt company, the representative was unable to provide satisfactory answers. 

Thank you for your time and attention to this matter. Your assistance in resolving this issue would be invaluable.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

Companies do not fix the problem. XXXX XXXX account number XXXX open date XX/XX/XXXX, Drop off date XX/XX/XXXX ; XXXX account number XXXX open date XX/XX/XXXX drop off date XX/XX/XXXX ; XXXX account number XXXX open XX/XX/XXXX drop off date is XX/XX/XXXX ;, XXXX XXXX account number XXXX opened XX/XX/XXXX drop off date XX/XX/XXXX. All these companies have been contact numerous times over the past two years by myself and I hired XXXX XXXX XXXX ( a credit repair organization ).
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/year>, I was handed a " Citation '', from a stranger that came to my front door on XXXX different occasions. He appeared as late as XXXX on night. 
This citation is from Portfolio Recovery Assoc., LLC as I and am assuming it is on behalf of XXXX XXXX as they have FASLEY accused me of receiving and using a credit card I have never applied for nor received. 
To be clear, I have never applied for a credit card nor have I received not XXXX XXXX from this group of people. It appears to be fraudulent/scammish.
Consumer complaint received 2024-03-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: APEX Asset Management, LLC (PA)

On XX/XX/year> I reported to my doctors office ( XXXX XXXX XXXX, XXXX, XXXX ) for my annual wellness exam. During my exam the doctor and I discussed my medical concerns as anyone would during their wellness check. Fast forward, a couple of weeks later, I received a bill for an office visit ( {$25.00} co-pay ). Also on the bill was the wellness visit. I called the doctors billing office and told them that this visit was exclusively a wellness visit and it is completely covered under my insurance plan. After several more conversations, including XXXX with the office manager, the medical organization would not report my visit to my insurance provider as a wellness visit only. So in essence, my insurance provider was charged for XXXX visits at once. Blood work was ordered for me at the time of the visit and that work also should have been completely covered under the wellness insurance guidelines. It was not since the office visit bill took precedent, so now Im out the {$25.00} co-pay for that service.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

On XX/XX/2024, I contacted Citi regarding the {$99.00} fee for the XXXX XXXX XXXX XXXX Select credit card, which I don't use. The Citi representative agreed to switch me to a non-annual credit card. 

However, on XX/XX/2024, I was still charged the {$99.00} fee. After receiving the bill on XX/XX/2024, I called Citi again, and they assured me they would remove the charge. 

Despite their assurances, when I called on XX/XX/2024, the fee had not been removed. Citi also sent me the lower-grade card, indicating that I no longer use the XXXX XXXX card and there's no reason for the fee. Once again, they promised to remove the fee. 

As of today, XX/XX/2024, the charge remains on my credit card, with payment still due by XX/XX/2024. If I don't pay, I risk incurring a late fee and will need to deal with Citi once more.
Consumer complaint received 2015-08-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Neon Newco Corporation (CA)

ILLEGAL & CAPRICIOUS SEIZURE AND HOLDING OF CONSUMER FUNDS : Netspend Corporation ( XXXX ) has seized funds on our card and do to errors refuses to release the funds, allow us access to the account, allow us to make corrections on the account, or give us any possible way to get our money. The money was loaded into the account using XXXX XXXX 's re-load service. XXXX refuses to help. XXXX uses XXXX to reload cards. XXXX can not help us refund the money. 

DISCRIMINATION : It is discriminatory to hold our money without any way to release it, correct the situation, etc. Net spend claims it is because we changed our address and they are punishing us for having to move. 

NO SUPPORT ACCESS BY CONSUMERS : Netspend customer service NEVER answers phones any more as they did when I opened my account over 6 years ago. It is impossible to directly reach to company to gain access to our money.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (CA)

The imposters are claiming that they have my social security number and that they are collecting a debt. They call me a few times a day from different phone numbers.

I don't have any debts! As a matter of fact, my identity was stolen a few months ago, and I filed a report with all the credit card bureaus and also with all the credit card issuing banks about the fraudulent inquiries in an attempt to open credit card accounts using my stolen information. Perhaps if these offenders received harsh punishments, such as life imprisonment, there would be fewer crimes. Sadly, crooks have more rights than law-abiding citizens in this country.

Here is a list of the phone numbers they are calling from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I refuse to provide these crooks with any of my information. They already have my phone number and can look at my account with that.
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (IL)

My name is XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Il XXXX Mortgage is with Loan Depot : www.loandepot.loanadminnistraton.com Problem started XX/XX/XXXX -Home insurance paid to XXXX XXXX XXXX XXXX Loan Depot paid them {$1600.00}. I canceled XXXX XXXX XX/XX/XXXX. 
XX/XX/XXXX. XXXX XXXX refunded to me {$1600.00}. I repaid-sent check of {$1600.00} to Loan Depot. XX/XX/XXXX is the date of new coverage by XXXX Loan Depot did not acknowledge XXXX XXXX cancellation and my immediate coverage with XXXX.I paid XXXX with my own check. The new policy cost was $ XXXX XX/XX/XXXX. Therefore the refunded XXXX XXXX {$1600.00} remained in my escrow account at Loan Depot. 
XXXX as per company rules notified Loan Depot of the new coverage of home insurance. XXXX I never had a lapsed in legal Home Insurance paid in full. 
XX/XX/XXXX I noticed that the {$1600.00} in my Loan Depot account had been moved to status of Misc. XXXX it was gone. Immediately i asked Loan Depot for explanation. 
I faxed and mailed Loan Depot copy of XXXX Declaration page twice in XXXX, XXXX. 
Copy of correspondence requesting a refund or the {$1600.00} to be returned to my dated XX/XX/XXXX. 
They have refused to correct their error. 
! XX/XX/XXXX Loan Depot requested proof of insurance. XXXX agent assured me that they contacted the escrow insurance department of Loan Depot to verify coverage. 
Loan Depot did not respond. XXXX again notified Loan Depot that I was covered since XX/XX/XXXX. Loan Depot sent me letter on XX/XX/XXXX Finally admitting receipt of proof of coverage from XXXX.But stating they had bought insurance for me. No name or policy company ever sent to me of their coverage. 
To date they have not returned the {$1600.00} to me or my escrow account. XX/XX/XXXX. 
Mailed, and faxed. my XXXX declaration page re-verify my coverage XXXX XXXX. Have extreme difficulty with computer access with Loan Depot. Many web sites. Changes that delete your account. In XXXX of this year unable to access my account on Line I was told by customer service to re-register my online account. Including entering my social security number. I was already verified and my id, address and loan number verified by the phone agent. 
I request to be made whole- refund of the {$1600.00} and correction of my tax XXXX XXXX. 
My XXXX taxes were XXXX. My XXXX taxes were first payment {$460.00}
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

Equifax is reporting that my XXXX account was late in XXXX which is inaccurate. Ive disputed this multiple times and they continue to say its verified but XXXX said that they didnt verify it. XXXX sent me an email stating the payment was reported on time. I filed a dispute with the proof of payment as well as the letter from XXXX and Equifax still says its correct as late.
Consumer complaint received 2021-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (KY)

I paid XX/XX/XXXX in full for a vacation XX/XX/2020, for a trip in XX/XX/2020. They closed due the pandemic and did not refund any money. I disputed it with the bank and was refused a refund.
Consumer complaint received 2022-07-19
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. (IL)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. XXXX XXXX XXXX  XXXX XXXX Balance : {$20000.00} ; DEPT OF ED/XXXX  XXXX Balance : {$450.00} ; DEPT OF ED/XXXX XXXX Balance : {$930.00} ; XXXX XXXXXXXX XXXX Balance : {$100.00} ; XXXX  XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX  XXXXXXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$280.00}
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I have written once before and now I am having to write for the second time as the first time around my requests were ignored. This is taking a toll and myself and my family and I need these errors to be addressed an corrected. At this point I need them to do their due diligence and ensure what they are reporting is totally correct and continue to do so moving forward to avoid these errors moving forward.
Consumer complaint received 2024-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mortgage Research Center, LLC (MO)

I closed on a mortgage about XXXX months ago. At that time, I had to take XXXX Now, my XXXX is XXXX XXXX and they refuse to remove the XXXX. They say it is staying on until XXXX. Their own website says it is automatically removed at XXXX XXXX, and you can request it to be removed at XXXX XXXX. The original loan was on a property sold for {$190000.00}. I owe {$140000.00} now. I believe there is corruption and lying going on, at my expense. Can you help?
Consumer complaint received 2021-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

My account got limited and restricted. No big deal right? Just had to leave my money in that account for 6months.. 6months Later I get an email that I can withdraw the money, go and try to but I get an error. So I call PayPal and they tell me to wait 24hrs and try again. Then I wait and try again but it still doesnt work. I call again and they tell me to wait 48hrs, waited still got an error. Call again and they said 72 hours .... I waited still getting an error. Then they kept repeating this process for like a month and then I got fed up and they couldnt help me. So I tried searching on the internet for some answers and this happened to multiple people. XXXX This is my first PayPal and Ive never had any of my bank info or anything linked to another account ). I stumbled upon this website that told me you guys could help me. I emailed PayPal and they responded with we sent you an email to help directly Took them 2 weeks to send that email and they basically in professional terms said There is nothing we can do for you, your account has a security lock on it so XX/XX/XXXX to XXXX, but we have all your money stuck in your account and theres absolutely nothing we or you can do about it. Now Im sitting here realising what a scam this company is. Took them and waisted 9 months just to say theres nothing we can do. 

PAYPAL
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently reported to the credit bureau that they are reporting wrong information on their credit report. After paying my monthly XXXX bill on time for approximately 14 years I notified XXXX on XX/XX/scrub>XX/XX/2023, I was moving out of state and requested my name be removed from my account. XXXX agreed to do this because my wife was remaining at the address, and she wanted to continue using XXXX and continue to pay the monthly bill. Although my name should have been removed on XX/XX/2023, XXXX failed to do this and continued to send my wife the monthly bills under my name. My wife contacted XXXX and they did not correct their error until XX/XX/2023XX/XX/year>. XXXX sent an email acknowledging their error and backdated the transfer date to XX/XX/2023. Included in my correspondence to you is a copy of the XXXX email acknowledging their mistake. My wife had enrolled in XXXX autopay and XXXX deducted each monthly payment from her checking account. XXXX even changed the account number. I have also included the monthly bills past the date when I was removed from the account. I have tried to correct the account with XXXX, but they do not allow me to talk to the person who will be conducting the investigation to explain the situation. You have to speak to a clerk who does not do the investigation and only says you are disputing the bill. I have also reported to the three major credit bureaus that I do not owe XXXX any money, but the credit bureaus has not corrected or removed the negative reporting. As a result of XXXX actions and the credit bureau my FICO score has been significantly reduced, probably raising the cost of my insurance and ability to obtain better interest rates. I am requesting your assistance in resolving this matter.