davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (CO)

XXXX bogus so-called corporation is saying I owe them {$730.00}. I do not owe them a penny. They reported me to the credit bureau '' s XXXX, XXXX, XXXX. What i want if for them to do what is right. I am a hard working honest man. I researched Midwest Recovery Systems on the internet and found out that this predator corporation goes after honest hard working people claiming they have a debt to pay. I refuse to give in and pay them. This is my complaint.
Consumer complaint received 2023-01-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

On XXXX XXXX, I was feeling very XXXX, XXXX, and ill amongst other symptoms. I felt like I was going to XXXX. The nearest medical facility I could get myself to was XXXX XXXX XXXX in XXXX  XXXX, When I arrived, I presented my medical ID card ( I have XXXX XXXX to front desk and explained my XXXX. I was later diagnosed w/ XXXX. A few months later, I received a bill in the mail. It is state law that for XXXX covered patients, a bill should not be provided to a patient for medical emergencies. I gave the bill to my health plan and they covered some of the bill and XXXX XXXX sent the remainder of the bill to this collections company-who I have no knowledge of or have no prior dealings with. This has affected my credit score. I have tried to work this situation out with XXXX by explaining state law and seeing if they can work with my health plan, I have also tried to send a complaint via CFPB as well because they threatened me on numerous occasions to send this bill to collections but a bill should have never been sent to me to begin with due to state law. Now the collections company is sending me bill collections for a debt that is not due/owed. XXXX XXXX went against state law and now my my credit is affected by that with this collections agency
Consumer complaint received 2023-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX XX/XX/2022 I have no business with this company. I have never signed a contract with them and have never had any communication with this business. And they apply this collection to my credit. I have spoken to I.C. Systems, and they have told me that XXXX XXXX XXXX had made a collection against me under a name I do not use or have never used. They stole my information, found my date of birth, and applied it to my credit. 

GOLD DRAFTING Service I have never done any business with them, signed a contract with them, or spoken to them ; they took false information and gave it to XXXX. XXXX, XXXX, and applied the false amount to my credit. I.C. System, INC and XXXX XXXX XXXX  committed Identity Theif against me and put a collection amount on my credit. That I don't owe. This must be looked into so this doesn't happen to anyone else.
Consumer complaint received 2020-04-26
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: AMERICAN EXPRESS COMPANY (AR)

American Express Serve gave us a temporary card but it will not work. We tried calling three different phone numbers for them and are either on hold for many hours or get hung up on without being put on hold. We never received our actual card in the mail and realized that they didnt have our apartment number down when we tried to fix the address so they could send a replacement card it says to call customer service but they dont answer the phone and Ive read hundreds of reviews saying that they cant get ahold of this company either and it seems like this company is trying to steal our money. Weve had problems with trying to contact this company since XX/XX/XXXX.
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

I set up automatic payments for my Citi Thank You Preferred card, and payments have come out of my account as requested for a long time. This month my payment did not come out, and when I called them about it, it was informed that they changed the terms and conditions and cancelled my automatic payments because I did not accept the terms and conditions. This account is paperless and I manage it using their app, so they informed me that the new terms should be on my online statement and it is my fault if I did not find them. Even after being told this and searching for this notification, I still can not find the new terms, or where I need to go to accept them after reading them. 

The problem is that they will not refund the late fee that was accrued because they decided not to take out my payment as agreed upon. The last payment was taken out of my account on XX/XX/2020. Citibank cancelled my automatic payment schedule on XX/XX/2020, without providing notification that they cancelled my scheduled payments. It is now XX/XX/XXXX, so my payment is late because I did not know they were not going to comply with the terms of our agreement. I have requested the credit card company to refund the fee as it was because if their actions that my payment was not taken out. They have refused. I have escalated my request, and that too was refused. 

This is a deceptive business practice, and even more hanieous given that they are trying to scam money from consumers during the middle of a pandemic.
Consumer complaint received 2023-01-23
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. (SC)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from STUDENT LOANS. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I have bank accounts with Wells Fargo Bank dating before 2011 to the present as an individual and with my children. I experienced account closures, overdraft fees, transaction fees, and access fees related to state inquiries that were not fairly resolved as part of the bank 's practices and my individual complaints. My complaint this time is a settlement announcement was recently published ( https : XXXX ) that was dated years ago according to a WF Bank representative contacted at XXXX. According to the bank representative, customers affected were notified years ago and the article was published today is misleading. I'm fed up with account fees and penalties created by the banks predatory practices that regulators are ineffective too control with their authority to influence better banking practices.
Consumer complaint received 2020-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Called to transfer funds out of a checking account and was denied service after the account was frozen without explanation. Called again and was told only visiting a branch would get the issue resolved, which is unsafe to do given the current pandemic. Today, received a letter saying that without a returned signature the funds would be transferred to the state of California. 

If this practice of inactivating " dormant '' funds isn't illegal, it should be.
Consumer complaint received 2020-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TN)

I have been XXXX  for 20 years and I have tried several times to have my loan forgiven. I have provided the Dept. of Education as well as Navient ( Sallie Mae ) with the documents that was asked for to get this loan forgiven. I recently tried again because I have been in my current XXXX  position for 5 years. And still I am being denied. According to Navient, in XXXX I received a student loan. Not so, I was in high school in XXXX, therefore, I could not have had a student loan. This recent denial is based on that. I am highly qualified, I XXXX XXXX and I work in a XXXX XXXX XXXX. I currently owe XXXX, XXXX ( approximately ) and I should qualify for loan forgiveness. I have contacted them XX/XX/XXXX then again XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

As a consumer, Transunion has violated my consumer rights under the FCRA, numerous times. I did not give my written permission or instructions to furnish the attached negative accounts. I have requested documentation proofs from Transunion of my written consent to furnish the accounts and did not receive them, only was sent a copy of my consumer report as they always only send. 

15 US Code 1681 States I have a right to privacy and that a consumer reporting agency can not furnish an account without my written permission and instructions. 

Please see attached...
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (SD)

my checking/ savings account with Wells Fargo from XXXXXXXX XXXX XXXXXXXX was always overcharged for deposits and transactions even though i had money in account. I had my check electronically deposited from the XXXX XXXX XXXX XXXX XXXX  and was on the road a lot working in XXXX and XXXX XXXX as well as XXXX XXXX. My account would be frozen till it cleared which caused hardship and eventually they closed my account because of fees accumulated. In the long run it ruined my credit and closed the account.
Consumer complaint received 2020-04-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LOBEL FINANCIAL CORPORATION (AZ)

XX/XX/2019, the car was taken away from me without any notice, I did not miss any of my car payment and ruin my credit report. See my months been paid. I believed they took my car out of my apartment 's private parking lot. I was going to sell my car for a in trade with a dealer. They took my car away. the amount is {$4000.00} on my debt. 

I found this Lobel Financial CORP is a dirty business, they never send me a payment letter, only online with fee plus charged there is no another option to make a payment. There are many negative reviewers say about this company because we become a victims. 

I found out my car is stolen and this vehicle was in an accident say on the XXXX report when I was trying to purchase for another car and in trade for my former car. 

This CORP try to force and make me pay my debt that car was taken away from me. Did not miss any month payment. I refused pay because they charged me for extra money on the fee tow and fees.
Consumer complaint received 2023-01-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I purchased my home and my mortgage was {$1600.00}. On XX/XX/XXXX It went up to {$1700.00}. When I called to make a payment I asked why it went up $ XXXX and never got a straight answer. On XX/XX/XXXX it went up to {$1700.00}. They keep raising my payments amounts and now it is at {$160.00} more per month. Im struggling to make these payments and every time I ask why or ask for help they give me the runaround and do not give me any solutions.
Consumer complaint received 2020-01-17
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: ALLIED MORTGAGE GROUP (NY)

I made an inquiry about mortgage refinance online through XXXX XXXX and was contacted by XXXX XXXX from Allied Mortgage Group. After many emails from him I asked what information did he needed to move forward. He replied with some questions which I answered to the best of my ability. However he didn't asked me for my SSN and never indicated he would do a credit inquiry on my credit report. I was under the impression that with the few questions I've answered, he would be able to give me a pretty good idea of what to expect in which he did but, after he realized I was not a veteran he apologized for the confusion and said that based on my income he would not be able to assist. I questioned if perhaps a HELOC was a possibility but never got an answer. Instead I got an alert about the credit report. He never disclosed any guidelines about credit inquiry nor did he obtained my consent or permission for it. With this complaint I intend to have the credit inquiry withdrawn along with any personal information I may have provided to XXXX XXXX and Allied Mortgage Group and it's affiliated Companies. I've only communicated with XXXX XXXX over emails which I can forward them if needed.
Consumer complaint received 2023-01-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

On XX/XX/22 I sent a letter to all 3-credit bureau XXXX XXXX XXXX and Experian regarding the inaccurate and unknown items on my credit report. To this day over 30 days later I have not received a response yet. I feel I'm being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report if it's been over 30 days and so, they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress it caused me.

The Credit Bureaus also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are suppose to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).
Consumer complaint received 2023-01-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am recently out of bankruptcy and have made arrangements with my creditors to pay my debts. My payments to XXXX XXXX XXXX XXXX show a decreasing balance but my credit score is not reflecting this. The message on my credit report says, " this account needs your attention. '' It is showing negatively. I have reached out to the credit bureaus to dispute the info several times. XXXX says its up to the credit bureau to update my credit score. Please help!!
Consumer complaint received 2023-01-23
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: Southern Auto Finance Co (TX)

There is an inaccurate account on my credit reports with SAFCO that I have been disputing for some time now. I sent them a letter in the mail asking for validation of debt and have never heard back or received anything back from them in the mail. It is illegal to ignore a consumers requests and disputes for accounts on their credit report. It is also illegal to report account without valid proof and documents showing that this debt belongs to me. Please delete this account from my reports now.
Consumer complaint received 2023-01-23
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. (OK)

in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-23
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. (WA)

My business partner and I had to permanently close our business due to our governor shutting us down during XXXX. Upon closing the business partner wanted to keep the XXXX XXXX credit card active for her to use. We contacted the XXXX credit card company and filled out the form to remove me as XXXX XXXX, then placed her as sole responsibility for the card. About a year later she started missing payments ( Job loss due to XXXX again ) and THAT is when I noticed my credit report score dropped from XXXX to XXXX overnight. Ive spent the last XXXX months trying to get XXXX XXXX correct this error. The XXXX credit card XXXX assured me its being handled each time I called them to say XXXX still seeing it on my credit report. XXXX is now not returning my calls. 
This erroneous XXXX information has caused my homeowners insurance to triple. XXXX XXXX XXXX veteran senior citizen on low fixed income and cant afford the tripling of my rates everywhere.
Consumer complaint received 2023-01-23
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. (WA)

My business partner and I had to permanently close our business due to our governor shutting us down during XXXX. Upon closing the business partner wanted to keep the XXXX XXXX credit card active for her to use. We contacted the XXXX credit card company and filled out the form to remove me as Authorizing Officer, then placed her as sole responsibility for the card. About a year later she started missing payments ( Job loss due to XXXX again ) and THAT is when I noticed my credit report score dropped from XXXX to XXXX overnight. Ive spent the last XXXX months trying to get XXXX XXXX correct this error. The XXXX credit card company assured me its being handled each time I called them to say XXXX still seeing it on my credit report. XXXX is now not returning my calls. 
This erroneous XXXX information has caused my homeowners insurance to triple. Im s XXXX veteran senior citizen on low fixed income and cant afford the tripling of my rates everywhere.
Consumer complaint received 2023-01-23
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. (OK)

in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Im having trouble with my paypal account saying : You can no longer do business with PayPal ( Ref ID - XXXX ) ( XX/XX/2021 ) Money the took ( XXXX ) When im busy packing my product which is ( Engine oil additive ) i receive an email from paypal saying. ( You can no longer do business with PayPal After a review, we decided to permanently limit your account as we found potential risk associated with it.

You'll not be able to conduct any further business using PayPal. ) But im hoping for any specific details that why im a being permanent limited but there's no explanation and when i reached them in twitter they always said that my account was a potential risk but no specific reason and when they said that i need to wait my funds in ( 180 days ) But 2 days left before releasing my lock up funds they took all my money, theres no email or notification i get before they took my money, i noticed it when my paypal dashboard become XXXX. Im using paypal as my payment method because i thought it would be safe for my business and now my business has been stop operating because the money they took Please help me to resolve this problem XXXX XXXX XXXX
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

This is a continuation of complaints XXXX, XXXX, XXXX, XXXX, and XXXX. Since we have received little information on what exactly they need to unfreeze our account, my wife and I did research online and found that USAA has a verify link on their site for verifying identify. On XXXX XX/XX/2023, my wife input our USAA ID, a picture of her drivers license, and received confirmation it was received by USAA and was notified that it would take about a day to complete verification. So they now have our passports, my wifes residency card, my wifes drivers license, my military orders ( showing our home address in XXXX and my duty station in XXXX ), and the phone calls my wife and I made to them communicating our information verbally. Our debit cards have been frozen since XXXX XX/XX/2023. 

I double checked my debit card by trying to use an ATM with it on XXXX XX/XX/2023 and received the notification on the ATM that my card had been reported lost or stolen. I was quite surprised since I have not reported this. This indicates that USAA has been deceptive in what they are telling me because they told me that my card was suspended. It seems they marked my card as lost or stolen after my call on XXXX XX/XX/2023 when calling about my wifes card not working. During the call, I asked what other information do they need to reinstate my wifes card. And after not receiving a clear answer, I asked that they send a written letter detailing me this information. The customer service agent seemed agitated when I requested this. It was after that call that my card was no longer available as an option to verify my identify when calling and I received a letter dated XXXX XX/XX/2023 providing very little information ( it seems they created the letter after my call but back dated it to before my call ). So it seems they marked my card as lost or stolen out of spite ( I documented my conversation with a supervisor in one of my earlier complaints where she checked on my card and I overheard her say to herself something to the effect of they even suspended his card at which point my call was transferred with nothing else being said by the supervisor ).