davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I checked my credit report XX/XX/20 and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof.
Consumer complaint received 2020-06-26
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (TX)

Equifax is in Violation of the Fair Credit Reporting Act. I demand the XXXX XXXX XXXX account report paid in full with XXXX balance The Final and last notice, I will send to Equifax regarding this matter XXXX University has provided email, and a letterhead letter debt paid in full with a XXXX balance. 

Please see XXXX XXXX XXXX responding to Consumer Financial Bureau they will report account paid in full with XXXX balance I have reported this account numerous account must report paid in full XXXX balance reporting. The notification was sent to all three bureaus. Please see the attached receipt, email, letter
Consumer complaint received 2020-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I paid of the balance on a XXXX card in two payments. On XX/XX/2020 I made a payment of {$120.00} and on XX/XX/2020 another payment of {$130.00}. Which results in a XXXX   balance. I checked my credit report and transunion is reporting a balance of {$250.00}. I contacted XXXX XXXX  XXXX and was informed they reported the new account balance to the three credit bureaus. I then called transunion to dispute the information. I just checked my credit report to see the update and it says transunion investigated but didn't make any changes.
Consumer complaint received 2021-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (MA)

Coinbase rep moved {$19000.00} worth of XXXX out of my coinbase account and never got them back to my coinbase account. I called Coinbase 's customer service line, someone answered from company. I needed to update bank info on coinbase trying to buy more XXXX XXXX on coinbase ( I was not getting the micro deposits into new bank account ) the coinbase person who answered the phone ( I have proof I was on phone with coinbase for 37 minuets and I received a call back ) stated that my coinbase wallets and account was frozen and they Coinbase had to create new wallets and move XXXX coins ( XXXX, XXXX, XXXX, XXXX, XXXX various coin amounts in each coinbase wallet ) into said new coin wallets. I wrote down new wallet addresses and the coinbase rep then created new coinbase wallets and moved the holdings out of old coinbase wallet and created new coinbase wallets and transferred them. I was under the impression that my coins would stay in coinbase and when I looked at my balances all XXXX  coins from said holdings have disappeared in the amount of {$19000.00}. As a 100 % XXXX XXXX XXXX and new to coinbase I followed Coinbase 's lead on a problem with my account only to have them lose or steal them from me.. Coinbase mission statement, if you will, states they created this company for the new and un educated new investor who can be looked out for by coinbase so as of now they have no customer service or educational services. They set you up with this false narrative and then take your money and coins away from you.. .. 
So much for GOOD Faith financial business. This company is stealing money from LOTS of customers.. over 1400 complaints on missing money is what I've found so far
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (FL)

I have a credit card account number XXXX with XXXX XXXX XXXX through Comenity Capital Bank that currently reflects three 30-59 day late payments during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am a government employee that was furloughed during the month of XX/XX/XXXX resulting from a government shutdown, during which time I did not receive a paycheck until mid XX/XX/XXXX. I contacted Comenity Capital Bank and setup payment arrangements due to the financial hardship I was experiencing as a result of being furloughed and temporarily unable to pay. It was my understanding that my monthly payments would be reduced for a period of 12 months. I made the new lower agreed upon payments but I was not aware that for the first month was delayed due to processing which triggered a late payment on my credit history with all three credit bureaus ( XXXX, XXXX  and XXXX  ). I was not aware that these late payments were on my credit reports until I tried to refinance my mortgage in XX/XX/XXXX. I sent a letter to Comenity Bank in XX/XX/XXXX requesting that these late payments be removed from my credit report. I received a letter in XX/XX/XXXX from Comenity Bank rejecting my request. I would like this situation revisited. I have since paid off my XXXX XXXX XXXX account and have always maintained a good payment history with this account. I would also note that this is the only creditor that I had this problem with as all other creditors did not report late payments during this time while I was furloughed and setup payment arrangements with. Please have this creditor remove these three 30-59 late payments.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

acima digital fka simple 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 XXXX XXXX XXXX simple I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (CA)

I refinanced my mortgage and the company CMG Mortgage bought my loan. I received a welcome letter telling me that my payment amount was {$2100.00} and given a PO box to send it to. I sent that payment via XXXX XXXX bill pay on XX/XX/XXXX. I checked back in with CMG on XX/XX/XXXX to make sure that they received my payment as I did not want to be late with my first payment and that it was at the end of the grace period. They told me they had not received that payment. I made a payment over the phone then so that I would not have a late payment on my account. I was told by the CSR rep that CMG would investigate and get back to me that never happened. I sent CMG an email asking for confirmation. 

I had not received another mortgage payment bill or email response by the end of the week of XX/XX/XXXX so I called CMG back. I talked to another CSR who read through the notes on my account, and gave me a PO Box to send the payment to. I did a test to see if it worked and it did. I was then advised by the CSR that I should use their online portal as the CMG email account was hacked and they were not responding to direct emails. A fact that the first CSR failed to tell me. I have sent multiple requests through this on line portal. I always receive a message telling me that they have received my message. I was also told that I would need to provide proof that the money was deposited into a CMG account.

I contacted CMG on the week of XX/XX/XXXX trying to get the issue resolved before XXXX. At this time I was advised by the CSR that I would need to escalate my issue, and that she was unable to get a hold of them on the weekends. She told me I would receive a call back within XXXX hours during the work week. I never received that call. 

I called back the week of XX/XX/XXXX with a person from my bank on the phone. I was told that I could not be given the information in the transmittal record because it contained the routing and bank account numbers for CMG. I was placed on hold while the banker worked with the CSR. When they returned to the line they confirmed that the information was accurate and that they would start to process the claim. The banker also sent them a fax and got a confirmation that the fax was received by CMG. 

I had heard nothing back from CMG and reached out them again the week of XX/XX/XXXX and asked for an escalation representative. That rep read the comments in my file and confirmed that they had in fact received the fax. She told me the CSR who entered the ticket for the claim coded it to the incorrect code. She then proceeded to enter the claim under the correct code. I was told that I would receive a call from them in 48 hours. I have heard nothing back. I was also told that the process could take up to 30 days.
Consumer complaint received 2020-06-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

I disputed an account that Midland Credit Management placed on my XXXX, XXXX, and XXXX  credit reports. This account is a duplicate of a XXXX XXXX/ XXXX  account that is also on my credit report. I received a letter by USPS in the mail dated XX/XX/2020 from Midland stating that I had already paid them {$150.00} ( 6 payments displaying for 2020 ) and that I should continue to pay this debt. I have never had any contact with Midland and this letter represents 1st contact. I'm sure the impetus for this letter was my current credit dispute. 

To be clear : I HAVE NEVER PAID ANY MONEY TO MIDLAND as they are reporting by mail and wire. I have continued to pay XXXX and will provide the ACH/ Wire information regarding these payments. I have no familiarity with Midland and their involvement in this account and the XX/XX/XXXX statement represents first contact. This is clearly an FCRA violation and possibly fraud by mail and wire.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (OH)

I have Lowe 's Store card through Sychrony Bank. 

In XX/XX/XXXX, I noticed the card security charges were more than interest charged to the account, and I was also charged interest on the Card security charges. I called my Lowe 's card customer service Sychrony Bank at XXXX to dispute the charges. They transferred me to " XXXX  XXXX  '' at XXXX. I chose option 1 to remove the service asked to dispute charges. I was informed there was optional XXXX XXXX added to my account in XXXX during an online application. They claim I authorized it, however I did not. I had the account setup on autopay and electronic billing, and didn't notice the charges were applied - I misinterpreted them as interest charges. I thought the balance wasn't going down because of interest charges. I asked to have a full refund of both the charges and the interest. I was told all they could do was refund of {$1100.00}, and they would need to look into the interest charges. On XX/XX/XXXX, the following refunds were applied to my Lowe 's Card : $ XXXX, $ XXXX, $ XXXX, $ XXXX. 

On XX/XX/XXXX, checked the totals and the account and noticed the amount refunded did not match the total amounts I was actually charged. I called back to " XXXX XXXX '' at XXXX, asked them to look at the account again, and stated the amount refunded still did not equal the total amount of charges, because it did not include the interest charges I incurred from their charges, they said again they would look into it. I then paid the account in full. It was my intention to wait for the additional refund and then close the account in XXXX XXXX. 

On XX/XX/XXXX, I went to check the account and noticed a new charge on XX/XX/XXXX for XXXX from " Debt Can Benefit Payment ''. I called my Lowe 's card customer service Sychrony Bank at XXXX to dispute the charges. They transferred me to " XXXX XXXX '' at XXXX. I chose option 4 " other '' and disputed the charge as unauthorized and asked to have it removed immediately. I was told there was nothing that could be done, there was no supervisor to speak to, and they would escalate my concern and I would receive a call back within 24 hrs. I told them I would be filing a complaint and calling my attorney. 

On XX/XX/XXXX, after I got off the phone, I began to document what I could about the situation. I researched back through prior statements and now observe that all former charges indicating the " XXXX XXXX '' service charges have been scrubbed from prior statements. There is no longer evidence of the prior activity. I have screen shot at attached the data I was able to retrieve online going back 1 year. Statements prior to XX/XX/XXXX are no longer available online. This is the link to the XXXX XXXX site : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AK)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (TX)

Kroger-US Bank has been sent letters following my husband 's death on XX/XX/2020 asking them to close the account. On the XXXX statement, I contacted the two entities on the statement, XXXX XXXX ( XXXX XXXX XXXX XXXX for {$7.00} and White pages for {$5.00} ) and asked them to cancel services and paid the statement to US Bank but contacted US bank by letter and asked them to close the account. Yet I received another statement from US Bank at the end of XXXX and again in XXXX with the same recurring charge for XXXX XXXX XXXX XXXX, which had they closed the account as requested could not have posted and resulted in yet another charge on the Kroger-US Bank account. I sent letters in fact aon XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and also responded to their letters telling me in essence that I had no authority to dispute any charges and though they received a certified copy of his death certificate and a copy of the will registered as a legal document here in XXXX Texas, they continue to this day to send letters addressed to my dead husband requesting that he call them to discuss. I have spoken to representatives in several areas at US Bank and have received no resolution. I would like for them to close the account and stop permitting XXXX XXXX submit charges for XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX but have received nothing more than a phone message directing me to their website and to date they have not responded to the message I have left on their website.
Consumer complaint received 2021-02-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (IN)

I was on a HUD program for 10 years I had a XXXX in 2018 and HUD paid the mortgage for me. 
The bank is saying they have not received a payment from myself nor HUD which is untrue. My HUD counselor showed me where money is going to my account at the bank but the bank said they dont have any money from HUD to my account. 
I need help I have been reaching out to someone anyone for two years now. Im having to file bankruptcy for over XXXX. XXXX I dont have. 
I hope this letter get to the right person, I have email three different people today so I can get help for my family and I can keep our home.
Consumer complaint received 2020-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (PA)

I invest on an application called XXXX. Is to invest in my future and if you're not aware of the application it links directly to our banking accounts. The application automatically rounds up total spent from your banking account to the nearest dollar. Essentially collecting the change until it reaches a total of {$5.00}. It then withdrawals to {$5.00} and invest for you. It is simply a very convenient way to save money. There has been an issue between the application because PNC is causing issues with them which is costing me money because I'm no longer investing. I feel this is my account and if I want to give access to the XXXX application, which I've dealt with for many years, that's my choice. I am asking you to please speed up the process so I can begin in my investments again. Thank you
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX  is reporting my bankruptcy inaccurate. The date filed is in accurate and the discharge date is wrong. The bankruptcy was filed in XX/XX/XXXX and the discharge date is XX/XX/XXXX. They are reporting this information in accurate on my credit report and I want this bankruptcy removed the law clearly states in info being reported inaccurate can be removed.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (AZ)

NewRez mortgage provided XXXX  inaccurate information regarding my XXXX and XXXX payments which in turn dramatically dropped my credit score and rating category. The initial reason for the dispute was because NewRez provided me with the incorrect information for my XXXX payment and refused to take accountability for it..which is normal for them according to reviews on the XXXX. I feel that they are vindicating me for having the audacity to pursue my case because I feel that they never fully investigated the initial incident by pulling the call and taking accountability. Therefore, I opened a dispute with XXXX  and they misrepresented my XXXX and XXXX payments, which resulted in another credit hit after I worked hard to build back my credit after the XXXX incident.