davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (NY)

In 2018 I was violently ill, I went to the doctor and they thought something was wrong with me. They sent me to get some test one was a XXXX  test at XXXX XXXX XXXX XXXX, They asked for my insurance to get pre approved. I was told I had nothing to pay, They scheduled my two appointments. They said they would collect the money from the insurance company. At no time did they inform me that I had a deductible or anything to pay. I left there office without paying anything after the tests. 

While checking on a claim from another medical provider with my insurance company I was told that the XXXX XXXX XXXX was paid the following by my insurance company {$1200.00} {$1200.00} {$20.00} I started to receive phone calls from National Recovery Agen regarding more payments on the bill, I was told that they are the collection agency for the balance of the bill and I could not call XXXX XXXX XXXX XXXX. I told them I want to get the debt validated and I want the original company contact me. They said I could only speak to them. 

I called XXXX XXXX XXXX to get the debt validated and they told me they don't have the bill anymore that National Recovery is now the party to speak to. They also confirmed they had the wrong address for me. 

At no time was the debt validated, At no time I was told I could dispute the bill, my rights under fair credit reporting was violated. Under the Fair Debt Collection Practises Act, XXXX XXXX XXXX was suppose to inform me of the bill, let me know they got paid before reporting to the debt collector. This was not done. I was never told by the company that my insurance company paid them three big checks. If I had know that I had a portion to pay I would have paid it at that time. I thought everything was taken care of by the money they recived from my insurance carrier. 

I ran my credit report this morning only to find these debts on my credit report. I contacted the original creditor who told me that they indeed got paid, that they had my wrong address, and the debt collecting agency is indeed handling the bill for the balance. I asked how can I have a bill, when you told me that my insurance will pay the bill and you got a preapproval. They said I have to contact the collection agency. 

The debt was never validated, the collection agency contiune to report it every month, I was never given the opportunity to dispute the bills. At no time did the collection agency told me the bill can be disputed. 

I asked the medial company to sent me the bill, they finally emailed it to me after two years today when I told them I'm going to write to the CFPB. see attached I would also like this be sent to each of the credit bureau
Consumer complaint received 2021-01-22
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. (CA)

I closed my XXXX XXXX account a while back over the phone. They didn't close my credit card account, even though I told them to and I had a reoccurring payment from my XXXX XXXX XXXX that I " missed '' the payment for, even though my account was closed. I disputed this with XXXX XXXX, and they agreed that it was not my fault. XXXX XXXX is paying me back the " missed payment '' of $ XXXX XXXX finally closed my whole account on XX/XX/2020. They have handled this very well. Below is the email I received. 

" I received your email about balance on your account. Your concern is most certainly understandable. 

The $ XXXX is a credit balance. A credit balance is an amount that is owed to you. 

The following credit balance refund options are available : * Transfer We can transfer the funds to your XXXX XXXX checking or savings account. You'll need to provide us with the account number in your request. 

* Check We can mail a paper check to the address on file. Please verify that your address is correct before submitting your request. You should receive the refund check within 14 business days. 

To submit your request, please reply to this email or call us at the number on the back of your card or on your statement. You can also select the " Contact Us '' link above. 

Thank you for your business. We're happy to have you as our customer. '' I disputed this with Experian and my credit has not changed. I have never missed a payment in my life, so my credit should not be poor because of this. I would love help on this. Thank you so much!
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NC)

Synchrony Bank issues the PayPal MasterCard. They detected possible fraudulent activity and sent me a text to confirm if I made the purchase. I replied yes and they continued to decline my intended purchase. They locked my account ( XXXX ) after so I called on XXXX to resolve my issue. The bank told me my account was good to go and the issue was resolved. I tried purchases later in the week and realized my card wasn't working. I checked my account again on XX/XX/11 and saw my account was locked. I called again to resolve the issue and was told I had to submit videos of myself and my drivers license to resolve it. This was unnecessarily intrusive based on what I have needed to do with other credit cards. The application they made me use did not work well at all and could not verify my account. I must now wait 7-10 days for a mailed verification letter. This is an unnecessary process.
Consumer complaint received 2021-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

I sold and delivered the XXXX item to the buyer on XX/XX/XXXX, Paypal did not release my money ( said within 24 hr upon delivery ) until today ( XX/XX/XXXX. 
I had a number of transactions with the same person in the past 5 years. The item was delivered withing 3 days and Paypal did not release my fund as promised " withing 1 day, '' I checked the reason, Paypal claimed to hold it until XX/XX/XXXX. This is consistent abusive behavior of Paypal, the company already charged the fees and continued to hold customers ' fund to make a profit. I sent a number of messages but never got a responses and Paypal doesn't provide or answer calls. This is an illegal action and must be stopped! 

Paypal Transaction ID XXXX
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

I am contacting you because I have found some information that is inaccurate on my credit report and I never had a XXXX account in the last six ( 6 ) years. This account does not belong to me. I request that you verify the information and remove any inaccurate information from my credit. 

Account owner : Individual Account Date reported : XX/XX/XXXX Account status : Unpaid Creditor Classification : Utilities Original Amount Owed : {$130.00} Original creditor : XXXX Date assigned : XX/XX/XXXX Agency : TRANSWORLD SYSTEMS INC Status date : XX/XX/XXXX Delinquency : Balance owed : {$130.00} Balance Date : XX/XX/XXXX Collection company that contacted about the debt : Agency contact information TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (MN)

The card that I have is a rewards card with an annual fee of {$89.00}. I have had the card for 7 years and 8 months. Over time, the rewards program on the card has become uncompetitive as compared to my other credit cards or products in the market. I wanted to downgrade my product to a no-fee option, with the same company, so that I can maintain my credit history whilst getting rid of the annual fee ( which no longer adds value ). I was told there was no downgrade option and if I wanted to stop paying the annual fee I would have to close my account. Essentially they are holding me XXXX! As you know if I close the account and open a new card, my credit score will be negatively impacted.
Consumer complaint received 2024-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Dear capital one bank Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

Around XX/XX/XXXX, my credit score dropped 65 points. I reviewed my credit reports from all three bureaus and could not find anything. Then I contacted Equifax twice on XX/XX/XXXX and XX/XX/XXXX to find out the reason ( and to submit a dispute ) but they could not tell me which event caused this dramatic decline in my score. I am in good standing on ALL of my accounts. I did pay off an auto loan in XX/XX/XXXX and this account was automatically closed by the credit union. I think it is unfair that I am penalized for the closing of an account that I no longer need and that I paid off. I understand the score is based on some algorithm, but I this steep decline could cause me to loose money if I were to apply for a loan. Thank you for your help.
Consumer complaint received 2021-09-27
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. (NY)

603. Definitions ; rules of construction [ 15 U.S.C. 1681b ] Exclusions. ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; It also defines what a credit card is " ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' My Nine digit Social Security card number that was used to extend credit in the below account is prohibited by law to publish on any credit reporting agency. 
I came to learned of XXXX XXXX  XXXX XXXX account reporting on my credit report some time back, I call the Back inquiring about the account 's and all I could get from the Bank is that they can't find my information in their system and they will investigate it and let me know the outcome in writing. months go by and nothing from the Bank, I would call again and they would be told me the very said thing and I would wait again and still nothing. I sent a letter this time on XX/XX/XXXX outlining my issue and demand that they send me proof that the account belongs to me or remove them from my credit report. but yet again I got no response. when I call in XXXX of this year, they give me the same story that there is no information in the system with my personal information and that they will send it to a special team to investigate and they gave me a case number : XXXX to show that my complaint was logged this time. I was also told that they will contact me within XXXX business days with the findings, but yet again nothing. I send another letter on XX/XX/XXXX requesting the above information and demand and follow-up with a phone call and was told the same thing that they will get back in writing to date, I have heard nothing and the items are still reporting on my credit report. these accounts were open fraudulently and should be treated as such. and I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services or for any other purpose as described. I also did not receive any money, goods, services, or other benefits as a result of the events described above. and I'm willing to work with law enforcement if charges are brought against the person ( s ) who committed the fraud but XXXX  XXXX XXXX made no attempt to investigate the accounts nor do they made any attempt to rectify the inaccurate reporting to my credit report. 
Experian continues to violate my rights by reporting this inaccurate account to my credit device.
Consumer complaint received 2021-09-27
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. (GA)

Equifax and XXXX are in violation of my consumer rights by reporting fraudulent inquiries/address on my credit report. Below are the fraudulent inquiries and address that are being finished on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (FL)

XXXXXXXX XXXX  is engaging in unethical and deceptive fee credit practice with its ongoing monthly fees. 

I previously called Reflex over a year ago, I stated I did not realize the credit card company charged a monthly fee, ( it is not clear in the terms of agreement/its vague ) and requested the card be closed so I am not charged any fees. I was told they can not remove the fees ( monthly fee of $ XXXX ) because there was a balance. Once the balance was paid they could remove the fees. 

Now a year later, after interest is paid, and there is only a small balance of approx $ XXXX XXXX dollars, XXXX is stating they cant remove the fees and I have no choice. So XXXX has amassed over {$200.00} in extra fees while the account was closed, I paid interest and never again used the card. 

This is clearly a deceptive practice that is robbing the consumer of money. My account was closed and XXXX rightfully charged interest but ALSO a monthly maintenance fee. This is unacceptable especially after customer service stated I would be refunded once I pay off the balance due. Please feel free to have the company review the recorded customer service calls to verify these interactions. 

I am also led to believe ContinentalXXXX XXXX are aware I am a senior citizen and are eager to take advantage of such.
Consumer complaint received 2022-07-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (VA)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

{ account name ; lates } This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

CREDIT ACCEPTANCE CORP XXXX XX/XX/2012
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

all personal information is incorrect, there are 3 names that do not apply to me as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Also there are multiple addresses that are not associated with me either and they are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
there is also a collection they are refusing to remove which is XXXX XXXX XXXX balance XXXX dollars Date reported XX/XX/XXXX, XXXX are also inquiries that do not belong to me, i have not applied for any of these accounts, they are in no way associated with me. XXXX is very very difficult when requesting for them to rectify inaccuracies on my credit report as does XXXX however lets start with XXXX these are the accounts that need to be XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also They are refusing to remove the bankruptcy which has been XXXX XXXX XXXX XXXX XXXX with a filing date of XX/XX/XXXX, XXXXPlease assist with XXXX being compliant by encouraging them to please remove all inaccurate information, this is affecting my day to Day living and is Hindering me from obtaining a place to live and from obtaining gainful employment. 
My correct Name is as Follows XXXX XXXX XXXX and My Correct address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my Telephone Number is as follows : XXXX. My Email address Is as Follows : XXXX. 
Please feel free to Contact me if necessary at your earliest convenience. 

Thank You
Consumer complaint received 2022-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo solicited me for a credit card ( by mail, I believe ). The offer was a {$200.00} reward if I made {$1000.00} in purchases within 3 months. I quickly fulfilled this requirement and called customer service after a reasonable amount of time to inquire when I would receive my {$200.00} bonus. On that call, I was simply told it takes awhile. 
On XX/XX/XXXX, I called again and was transferred several times to different departments ( I was on the phone for XXXX minutes without resolution of the issue ). The last person I spoke with said the matter would be escalated for research and I would receive a call back on XXXX. That never happened. 
I suffered a great deal of damage to my home during Hurricane Ian and I really could use the {$200.00} now more than ever in order to help meet my emergency expenses. Any assistance you can offer would be greatly appreciated. Thank you in advance.
Consumer complaint received 2021-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received the attached from Transunion today. More form letters, passing the buck, and words that dont mean anything. It is simple for those that care. I expect Transunion to live up to their word and follow the requirements of the Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item This does not mean to shuffle paper, pass the buck, and feel like they have done their job. I received the attached because I made a complaint against XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX allowed a car to be fraudulently purchased in my name. XXXX XXXX did not have permissible permission to access my private information / credit report which then led to a fraudulent and forged loan. XXXX XXXX denies wrongfully denies the forgery but can not deny permissible permission that led to the fraudulent loan. XXXX XXXX refuses to submit the valid permissible permission together with the dated credit report as evidence of permissible permission. It is that simple. XXXX XXXX refuses while Transunion then requests XXXX XXXX to validate the information. So nothing gets done and the FCRA does not prevail. XXXX XXXX is dodging, Transunion is shuffling paper while sitting in a cubicle pushing buttons, and I have been dealing with this for 4 years. The other loan ( Together XXXX XXXX ) for the other car that was purchased fraudulently at the same time has been dropped LONG AGO. They are a more professional and educated company. This complaint is directed towards Transunion. If Transunion sends this complaint to XXXX XXXX to hear their programmed response, I will complain again and again and the FCRA requirements will never prevail. I am asking the person at Transunion that is reading this to request the permissible permission and credit report from XXXX XXXX and then review the accuracy and completeness of any disputed item ( FCRA ). I am copying XXXX XXXX but they will simply delete by labeling duplicate when they have yet to address one request and complaint.