davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

I have been being harassed about a debt that I did not owe. This alleged debt is dated XX/XX/2017. I have requested on multiple occasions for this falsely reported debt to be validated and have been ignored and finally received a response that not only proves the debt is not owed by me but violates my rights under HIPPA laws. This document that will be included not only shows I had a XX/XX/XXXXbalance with this agency, it exposes my personal medical history the infringes on my rights under hippa law! 

The documents shows that the patient in question owed a XX/XX/XXXXbalance and was covered by medical insurance at the time of the procedure/appointments. Furthermore these documents show misleading and false medical information
Consumer complaint received 2021-04-15
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 ()

Paypal Issued me 2 temporary limitations on my account, after getting all my valid information they Permanently banned me from using their services and refused to let go of my funds. 

On XX/XX/XXXX, XXXX Paypal lssued me A " temporary Account limitation because I received money from a family. They asked me for my personal information, which I provided with all my valid info and so, they promised me to Restore my account so I can withdraw my Balance. Two days after, they sent me another " temporary account limitation '' that required me to send a Valid ID. I sent My ID from the XXXX XXXX and they accepted it. On XX/XX/XXXX XXXX, they sent me an Email that says my account is " Permanently Limited '' which I don't deserve since I did not violate anything and was simply receiving my money. On the same day at XXXX, they sent me another email saying my " Account is partially restored '' but when l checked it on my PayPal account, IT IS STILL PERMANENTLY LIMITED. I have a balance of XXXX. XXXX on my account which is needed to purchase an equipment for my XXXX XXXX, however, this PayPal is prohibiting me to withdraw or transfer my money. 

I messaged them countless times on XXXX, XXXX and XXXX but they only responded with unethical reasons and fake promises to restore my account. After banning me from using PayPal, they stopped responding to my complaints.
Consumer complaint received 2020-12-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: First Investors Servicing Corporation, Atlanta, GA Branch (PA)

I just received a letter in the mail threatening reposession if I did not make a payment within 13 days of the date of the letter. The letter was dated XX/XX/2020. I did not receive that letter until XX/XX/2020. I can verify this with informmed delivery through USPS. 

I have been trying my best to get back on track with this loan. I have been making at least one payment a month, but that is not helping my past due balance. I communicate mostly through email due to a an auditory processing disorder. I can show email after email of me begging for assistance without any reply. I had been out of work due to covid and then had my wallet stolen and my accounts drained. During this time I was still making at least 1 payment per month in XXXX, XXXX, XXXX. I am able to maintain regular payments at this point but I can not clear the large amount past due. I've asked that it be tacked to the end of the loan, no response, I asked that the amount be divided up and added to my monthly payment, with no response. 

I told the company that if I couldn't work something out I'd have to file bankruptcy and it seems they immediately sent the demand letter after that. 

This is my only vehicle. I'm just trying to save it and keep driving.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SS XXXX I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided in XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I am sure that someone in the XXXX area is using my ID and Personal Identifiers to open up accounts in my name. I lost my ID over a year ago. I pulled my credit report and discovered several accounts that I do not recognize. I am trying to protect the integrity of my credit profile as much as I can. Please update my correct address : XXXX XXXX XXXX XXXX FL XXXX is my only address. Please delete any other addresses. 
The following accounts are fraudulent : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX XXXX # XXXX.
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation (TX)

in XXXX Covington Credit incorrectly reported a debt collection on my credit report beginning somewhere around {$300.00}. Since XX/XX/XXXX they had changed to status as an " open '' account. Every month since XX/XX/XXXX they have " closed '' then " reopened '' the account increasing the balance due every single time it's " reopened ''. My report currently states that it was opened in XX/XX/XXXX when they have actually had this snowball account reporting since XXXX. They now show a balance of {$840.00} and state that payments were made the past 2 months. All of this information is incorrect. I've tried disputing the account as fraud which has been ignored. I have over a year of active " open '' " closed '' " paid '' " late '' statuses all submitted at random times. They have done this to keep the account ACTIVE on my report versus allowing it to be written off or disputed. It's FRAUD. The account is not mine, the balance is TRIPLE what it started out as and they are reporting FALSE information. ( Made payments, missed payments, account closed, re-opened, etc ) Joke of a company. OVER 3 YEARS OF FALSE INFORMATION.
Consumer complaint received 2020-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (PA)

I have disputed this account multiple times with Caine Weiner and what they sent me in return was not at all what I asked for. They have violated the FDCPA and FCRA by sending me incomplete validation after I disputed the account. I DEMAND JUSTICE! PLEASE HELP ME!
Consumer complaint received 2020-12-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (FL)

I have advised the company & XXXX on multiple occasions to remove this medical collection as it violates my rights per the HIPAA ACT & my medical information is confidential! Neither the company ( COMMONWEALTH FINANCIAL ) nor has XXXX removed this medical collection from my Credit Report.
Consumer complaint received 2020-12-27
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: Experian Information Solutions Inc. (NJ)

For over 2 years I have had to deal with a Credit Rating that has been destroyed by XXXX incompetence. In short my 830+ Credit Score is now at XXXX and struggling to recover due to XXXX incompetence. Thankyou for at least reading this far. 
In short, I was moving homes and requested to cancel XXXX XXXX. 
I followed requested process and in fact waited 3 times for someone to collect unit as scheduled ... no one ever turned delivered myself to XXXX location. While dealing with this over the few week I was billed by XXXX for another month. Despite all the " promises '' this will be rectified NOTHING was done. Instead XXXX sent collection notices ( adding insult to injury ) which I refused to pay out of principal ) Consequently this referred to various Collection Agencies who passed the SAME DISPUTED account around, each time impacting Credit Score ..Finally out of frustration I paid bill but damage has been done. As you will see from all my active accounts and my long term payment history with EVERYTHING ELSE has been stellar ( hence my original XXXX Credit Score ) yet my scores with XXXX, XXXX and Experion remain low and yet to be corrected. 

One has to question the accuracy and integrity of the Credit Agencies ( and why I am registering this complaint after two years +of frustration ) as to how ONE DISPUTED XXXX bill for {$100.00} outweighs payments for numerous other accounts including mortgages involving thousands of dollars paid fully well in advance. 

My Credit rating has not been corrected nor fairly represents my " payment character '' which impacts me any time I look to apply for anything that requires a Credit Rating search to be done. 
Hopefully something good will come of this to protect other customers. Thank you. 
XXXX XXXX
Consumer complaint received 2023-02-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Around XXXX of XXXX I was on a forbearance with Wells Fargo due to being on an unpaid leave from my employer during Covid. In or around XXXX of XXXX I was allowed to go back to work so I called Wells Fargo to make arrangements to start making payments to get caught up on my mortgage. During this conversation to Wells Fargo with XXXX XXXX, I inquired about refinancing. She informed me that once I was caught up that I could refinance, or if I paid my outstanding payments in a lump sum I could refinance once payment had been processed. I chose to pay a lump sum to take advantage of the lower interest rate. In or around XX/XX/XXXX I'd paid the lump sum and had started my application. Once the application was completed I received a call from XXXX XXXX XXXX and she informed me that I would not be able to refinance, even though she previously said I would be able to and all of the correspondence that I'd previously received about my forbearance said that I could. I asked why and she basically said that because of my previous forbearance I wasn't eligible. I was disappointed but dropped the matter, as I was so exhausted from having previous issues with Wells Fargo. Also, Wells Fargo bought my loan from XXXX XXXX so it was not my choice to do business with them. 

Fast forward to this month I'd started to hear about other customers dealing with this same matter, so I decided to see if I could get a better answer as to why I could not refinance. On XXXX XXXX I was initially told that there was no record of a refi, and later that it was not Wells Fargo who denied the refinance but XXXX XXXX, because it was a VA loan. I was also told that Home Mortgage Consultant ( HMC ) XXXX XXXX would give me a call back in 30 minutes of that call to give me further clarification but she never called me back. I called XXXX XXXX to inquire about the denial and they had no record of it. 

My concern is that I was wrongfully denied refinancing and subsequently have missed out on significant savings on my mortgage. Based on my credit rating, payment history, debt to income ratio, I was/am more than qualified for the lower interest rate at that time of 2.75 %. 
I have a complaint in for escalation, reference # XXXX but I don't expect to hear much back.
Consumer complaint received 2020-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. Its been 40 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the stress you've caused me.
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX Bank of America stated they would provide my XXXX XXXX  business with a secured credit card attached to a cd account that would report to XXXXXXXX XXXX  XXXX. They informed me that at the XXXX month my account would be eligible for a non secured credit card but I would need to call him. XX/XX/XXXX, I called in and was told that it would need to be approved first before I can get the credit card. I advised them that I was mislead and demanded my money back. They refused stating because it was attached to the cd account they couldnt do that until maturity which was now 12 months and not the 7 months as promised. I was furious but decided to wait the 12 months. I received a letter in the mail fro. Bank of America XX/XX/XXXX stating my maturity date for my CD was coming up and if I did not act they would automatically enroll me into another 12 month plan. I contacted Bank of America and explained that I wanted to close my cd since it was now at maturity. I was told that I couldnt close it until I paid the balance of. I paid the balance off and called back to close the account they then told me that I couldnt close my XXXX account because its a non profit and I am not listed on the account. This was not possible because when I opened the account I signed all the necessary documents. I signed the letter anyway. Now when I call to close the account they tell me they need all the officers to sign a statement when there are no other officers in the business. Ive demanded they close my account and give me my money back but back of America refuses to close my account or refund my money.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2020-12-22
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. (AL)

I have sent in several dispute letters in regards to public record information being reported about me on Experian, XXXX an XXXX. I sent out letters on XX/XX/2020 to each company requesting their method of verification in regards to the public records and they have failed to respond to this letter within the allotted time of 15 days. It is now XX/XX/2020 and I have yet to receive a response about my dispute. Please remove this account immediately for failure to adhere to the FCRA and reporting unvalidated information!
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

All Student loans have been forgiven eff. XX/XX/year>. 3 Credit Bureaus reporting inaccurate information. Transunion still has the balance and XXXX. XXXX shows correct.
Consumer complaint received 2020-12-23
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Between XXXX and XXXX, I got myself in a bind and fell behind on my credit card payments with capital one. For the last 46 months, I have made 100 % of my payments on every account I own. Capital one agreed to remove the late payments once my account was in good standing. My limit has been increased multiple times. I recently sent a letter asking for the late payments to be removed on both capital one accounts. Due to my excellent payment history Im am asking for assistance in having the late payments removed from both accounts.
Consumer complaint received 2021-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (GA)

I received a letter from the collection agency in XX/XX/XXXX when I called to ask what this debt was for and was told it belonged to XXXX XXXX. I explained that it could not be because I never had an account with XXXX XXXX in the last 8 years I asked for a validation on more than one occasion but they refused to send me anything. I checked my credit report to see what was going on. When I look at my credit report, I noticed that in XXXX  there is a Mountain run Solution account that explains that the account is for a loan, like a charge account, and the credit limit increased from {$1500.00} to {$2500.00}, I did not. recognize this. account. I went to XXXX XXXX credit report which says I have been making payments since XXXX with no late payments and my balance in XXXX was XXXX. Then it shows up in collections and I don't understand why. I have never made any payments to an account like this, because that is not my account, and I have never seen that account on my credit report before. I check my credit report every year, and this account was never there, and it just popped up last year. I filed a dispute with the credit bureaus and they told me that the account is accurate because the collection agency says so The credit bureau as XXXX  and XXXX, they asked me to prove that it is not my account, I told them that I can not prove it because there is no way I can prove any account that is not mine. I called the original creditor and asked about this account. And they said my last payment was in XX/XX/XXXX and the account was sold to Perfection Collections in XX/XX/XXXX. What the XXXX XXXX solution is doing is using the information they have about me in my previous 8 year account and making it looks like the most recent account I asked you for a payment history to confirm the last payment I made. When I saw that this is not this account and it is for another account. I do not know what to do. Every time I call they tell me that I have to pay because this account is mine. I have asked for validation and they do not send me anything. I have proof of the last payment I made to the original creditor. I sent it to the credit bureaus and they tell me it is not proof enough. The original creditor can not give me information because those accounts were sold to collections. This accout is not mine. I will provide you with my original creditor payment history and what is shown on my credit report. I have been monitoring my credit for years with no late payments for the last 6 years, and this fraudulent account is affecting me emotionally. Thanks
Consumer complaint received 2020-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

This card is from XXXX. I had payed it off before cancel my card with Wells Fargo. I had received a letter a little over a year, XXXX, stating the amount owed and that it went to collections. I was just aware of this and in the past I never received a statement or anything. I tried to dispute it and yet it appears on my credit because the bank claims that I still owe this money. I called back maybe in XX/XX/XXXX I called to see what can be done and the collections department said that they couldnt do much because a lot of what I was told was not written in the notes.
Consumer complaint received 2023-04-04
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 (IL)

I added 6 authorized users to my credit card. Then, Bank of America cancelled my account without notice. I only received notice about 7 days after the account was closed and they did not allow me to reopen the account. 

I called Bank of America on the morning Wednesday, XX/XX/2023 after realizing my Credit Card transaction was declined because my account was closed. I tried to do a transaction earlier that morning, but I got an email that the transaction was declined and the reason saying my account was closed. I did not close my account. 

They explained that I will get a letter in 7-10 business days. I was not given a reason at the time, or allowed to reopen my account after asking.

I received a letter saying the account was closed for " irregular authorized user activity on one or more of your accounts ''. I was never told or warned that this was not allowed. I was never given notice that my account was closed until it already has. I was not given a chance to explain what has happened or any chance to fix what was wrong. Bank of America did not allow me to reopen my account. 

I paid my card on time and in full every month. My XXXX credit report as stated in the closure letter had multiple accounts, low utilization and perfect payment history with a XXXX FICO score. This card is one of my oldest accounts and closing the account will adversely affect my credit.