davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-05
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: EQUIFAX, INC. (NJ)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/2019 a charge was made to my pay pal account through XXXX to a 3rd party app developer for {$53.00}. Immeditaly upon reciept of the email moments after the purchase was made I deauthorized my pay pal account and submited a dispute for the charge. A few hours later I received this response from pay pal : " We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because this transaction was not unauthorized. '' So pay pal indicated that the dispute was denied because " THE CHARGE WAS NOT AUTHORIZED ''. Below that wording it clearly shows my dispute was submitted on XX/XX/2019 while the trnasaction was still pending. Even after receiveing my dispute paypal still put the charge through on XX/XX/2019.
Consumer complaint received 2017-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc. (CA)

On XX/XX/XXXX I took a friend ( a XXXX Member ) to XXXX XXXX Hospital ( " XXXX '' ) for medical attention. I had previously injured my XXXX  foot and was in pain, so I asked a member of XXXX 's Medical Staff to check to see if I had a XXXX XXXX. As it turned out, I did. I provided evidence of my Medical Insurance Coverage and XXXX was generous enough to waive a {$5.00} fee. Subsequently, my insurance company was billed by XXXX in two ( 2 ) separate claims for their service. The first Claim # XXXX was paid XX/XX/XXXX for {$41.00} ; second Claim # XXXX was paid the same date ( XX/XX/XXXX ) for {$120.00}. According to conversation with my insurance company following receipt of the collection notice, XXXX was paid a total of {$150.00} for both Claims : with one Check # XXXX. The check was cashed by XXXX on XX/XX/XXXX. I have been involved in the emergency care of a senior Family friend and have not had time nor opportunity to continue, back and forth, with XXXX after they have already been paid. XXXX has smeared my credit further and now seeks unjust enrichment at my expense. I, too, am a Senior Citizen and feel that I have been subjected to Elder Abuse due to XXXX 's inability to properly maintain their records. I am of the opinion that countless others have been subjected to the same, if not worse. I am a member of the XXXX XXXX and I realize that sometimes the dollar signs interfere with reality to such a large extent many people suffer without knowledge of being taken advantage of. Or, better yet, too worn and unnecessarily taken advantage of on a continuous basis they 've lost energy to fight. I want the record cleared based on payment received by XXXX ; a letter sent to each of the three ( 3 ) credit bureaus to clear the erroneous report. Finally, XXXX 's medical billing practices should be analyzed to ascertain how many true victims there are who 've suffered the casualties of poor medical billings! All facts were provided from the records of my insurance company ; XXXX has copies ( or should have ) of the checks received. Thank you
Consumer complaint received 2017-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

XX/XX/2017 XXXX sent me a letter saying 2 accounts from common wealth financial systems inc. were deleted ( they were not mine ) and on XX/XX/2017 those 2 accounts were sold to another creditor whom is now re inserting them back onto my credit amounts of XXXX , XXXX . They arnt my debt yet they are putting them on my negative credit which were previously deleted by XXXX XXXX. Debt collectors are, XXXX XXXX XXXX  and XXXX XXXX XXXX.
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Equifax refuses to work with me to correct a collection account being reported by them that has been resolved. I don't understand why XXXX  and XXXX  have removed the disputed item but Equifax refuses to correct it's error. I have tried many many times to get Equifax to get their act together but they just ignore me. numerous times I have sent letters initiating a dispute that goes without any response from them - they just ignore my dispute and violate the fair credit reporting act by not addressing the dispute - many times after 30 days I have not received anything from them on a dispute which in itself is reason to remove the item - I pointed this out to them but they ignore me over and over again. they report a XXXX dollar collections for XXXX hospital that I do not owe. Equifax needs to get in line with the other reporting agencies and fix this incorrect information on my file.
Consumer complaint received 2017-08-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (FL)

I do n't know these companies or debts, tried to reach out to get information on debt but nothing was sent or verified to me, I disputed with XXXX, XXXX, and XXXX but it comes back as verified but I did n't receive anything, if this debt is valid ( which it should not be ) I did not authorize my personal information to be shared with a third party company I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of 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. I am also XXXX and have been receiving XXXX health insurance such as XXXX and XXXX which was presented as form of payment at every doctor appointment so I 'm not sure why there is even a debt to begin with.
Consumer complaint received 2017-08-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo is incorrectly reporting late payments on my home equity loan within HELOC for the months of XX/XX/XXXX and XX/XX/XXXX. I have been and am current and in good standing. These inaccuracies are unfortunately impacting my credit score quite dramatically ( 80+ points ). It is extremely disappointing to have these unjust discrepancies as I have been a fantastic customer.
Consumer complaint received 2016-12-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Mid-America Accounts Control Bureau, Inc. (KS)

Collection agency was notified twice by XXXX of a dispute that was reported. Collection agency did not verify debt, but returned the report to XXXX as still owing the debt. However, it was paid in full. I called the Collection Agency to resolve the problem, but was told that they wo n't verify any information when they are notified of a dispute. Apparently, they will allow false information to remain on the credit report indefinitely, because they " would get nothing else done '' if they spent time correcting disputes. They also report every late or non-payment as a separate issue and debt instead of all with the same company to make as many negatives on the credit report as possible. For example, if there is a total owed to a company, they report as many separate negatives as days that the debt was owed.
Consumer complaint received 2021-04-05
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: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-08-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Bayview Financial Loan Service held our mortgage from XX/XX/XXXX toXX/XX/XXXX. Starting in XX/XX/XXXX they illegally forced and charged me for a duplicate insurance policy. My insurance I had carried all along was still active and in place yet they doubled up on a policy and forced me to pay it. I spend over a year providing documents and following all procedures they insisted on in order to clear it up. Due to the monthly payment increase I was unable to keep up with the additional increase that was unjustly being charged. Many attempts were made to modify the loan, yet Bayview was non-responsive. By XX/XX/XXXX I was advised and pushed into a corner to stop payment completely and file for a short sale on the property. During the short sale of the property, Bayview was investigated several time by the federal government and disciplined for their inadequate and wrongful practices. This short sale was finalized and paid for in XXXX of XXXX. I was told this history would only reflect and show detriment to my credit for a couple of years. As I apply for loans, I am constantly haunted by this troubling past. I would like all the accounts associated with Bayview to be cleared off my credit. Thank you for your help.
Consumer complaint received 2019-08-16
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: VW Credit, Inc (IL)

This is an addendum to Complaint # XXXX.in regards to new information discovered on XX/XX/2019. I received a voicemail from XXXX XXXX  of VW Credit in regards to my receipt of an email dated XX/XX/2019 that VW Credit has reported, yet again, that my XXXX  payment has not been made. Volkswagen of America was to have made my XX/XX/XXXX car payment on XX/XX/2019 and was told that the process had been started to remove the lack of payment from my credit report. Today, XX/XX/2019 through voicemail left by Ms. XXXX, I was told that  the check Volkswagen of America sent to VW Credit had a stop payment on it. I was also told that an electronic payment was made on XX/XX/2019. Why was a stop payment placed on the check? Volkswagen treats a long standing customer with indignity. I am the one whose credit is affected. I am the one who is being played with. Well, this is not a game and Volkswagen ought to be ashamed treating me this way after 22 years as a customer. I wish to rid myself of my relationship with Volkswagen and will take steps to do just that. Both VW Credit and Volkswagen of America have cheated me enough. It needs to stop.
Consumer complaint received 2017-08-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MA)

Navy Federal Credit Union foreclosed on my second mortgage XXXX 2014, prior to my XXXX XXXX with the XXXX even after I submitted to them a letter by the XXXX XXXXXXXX of the XXXX center explaining why I was not being paid ( a flood in the payroll building ). I was told by Navy Federal 's representative that my loan was " written off '' and I would receive a XXXX that I could not make any payments on the loan. However, yesterday I tried to apply for a pre-approval of a mortgage learning that my loan was not forgiven but rather being listed as negative debt.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NY)

I have an Apple Card ( XXXX ) issued by XXXX XXXX. An important feature of the card is the ability to buy XXXX products on an installment plan with 0 % interest for 24 months. I took advantage of this offer and bought an items for {$1400.00}. on XX/XX/2021. 

I have faithfully always paid the full amount due monthly on the card since that time. 

I also used the card to make unrelated purchases from non-Apple merchants. One of those purchases needed to be refunded. The merchant refunded the money to my card. Note that this was after I had paid the balance on the card. I assumed that like any other credit card I would then have a negative balance on the card and could then get a check issued to me ( as per 1026.11 of the Truth in Lending act ). 

However, even though I have a negative balance on the card Goldman Sachs has refused to remit the funds to me. Instead they are holding the money and claim that they will apply it to any amounts I may owe in the future on a monthly basis. According to Goldman Sachs ' representatives this is because I opted to use the 24 month interest free offer. 

This is a clear violation of the Truth in Lending Act -- - and also unreasonably changes the terms of the 24 month interest free purchase ( which even they call an " installment '' plan ) after the fact. It is unethical and penalizes me for being a savvy/ethical consumer who always pays off his credit cards. Effectively they have turned a non-secured credit line into a secured credit line by holding my refund XXXX. 

I have raised this issue with Goldman Sachs customer service, escalated it to a supervisor and finally reached out to the executive offices of Goldman Sachs ( via XXXX ). They insist on holding on to the funds. 

Note that I have always paid what is due on the card. 

Any assistance would be appreciated.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TN)

Hello, In XX/XX/2021 Synchrony Bank AKA Banana Republic XXXX XXXX card changed their rewards program. I spoke with a representative from Synchrony Bank in XX/XX/2021, name unknown. They assured me my old rewards would transfer over to the new system, which is maintenance by Gap rewards. I was told my rewards would not expire. Well, this is far from the truth. According to XXXX representative from synchrony bank on XX/XX/2021, I had {$5100.00} in expired rewards. I spoke with several representative with no resolution. XX/XX/2021, I spoke with XXXX supervisor with Gap rewards, she could only offer me {$20.00} in rewards. This isnt satisfactory! I used this card only to receive rewards. In my eyes this is fraudulent activity. They are not standing by the information given to me by their colleague on synchrony bank side stated.
Consumer complaint received 2019-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

XXXX, XXXX and XXXX 2019. I have recently used my ATM card make withdrawals in a foreign country. I accept the fee charges from the foreign country banking institution, and an additional $XXXX fee from my bank. I noticed in the months mentioned I being charged an additional $XXXX  or $XXXX service fee. I contacted my bank to inquire about the addituonal fee being charged To my surprise I am being charged an exchange rate fee. To clarify, whenever I use an ATM in a foreign country I will be charged this fee. Additionally if I make a purchase using my ATM card I get charged for conversion to US dollars. In otherwords, I cannot use my ATM card in a foreign country unless I pay whatever additional exchange rate fee they want to charge my account, plus a fee for conversion from foreign money to US dollars (conversion is automatically done by the computer), if I make a purchase and use my card for payment. Regardless if it was paid as a debit or a credit card.
Consumer complaint received 2017-08-16
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. (CA)

I PURCHASED XXXX XXXX IN XX/XX/XXXX AND THE CREDIT LISTING REPORTS 1 ( 30 ) DAY LATE PAYMENT ON CREDIT REPORT IN XX/XX/XXXX. HOWEVER, EXPERIAN LISTS LATE PAYMENT AS XX/XX/XXXX ... .I HAVE SIGNED DOCUMENTATION TO SUPPORT PURCHASE OF VEHICLE XX/XX/XXXX ( ATTACHMENT ) ; I ALSO WAS ON AUTO PAYMENT FROM IMMEDIATE PURCHASE. I NEED LATE PAYMENT ( S ) REMOVED AS IT IS INACCURATE.
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2021, I received an email from Wells Fargo that an account was created under my name and a debit card was being mailed to my address. 
On XX/XX/2021, I contacted Wells Fargo customer service. I told the agent that an account was created under my name and that Wells Fargo had been retaining my personal information in their database even after requesting to have it removed, including my name, address, DOB, SSN and Driver 's License number. I was told that it will be taken care of ASAP On XX/XX/2021, I received an email that my account will be closed on or before XX/XX/2021 2021
Consumer complaint received 2017-08-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

Sometime in 2009, my mortgage was with SunTrust and my monthly payments increased due to rising insurance costs. I requested a loan modification and was told I had to be in the foreclosure process in order to be considered for the modification program. So I asked the operator what other suggestions she had as I could not afford the monthly payments. Eventually I fell behind, I was granted the modification. Only, my monthly payment difference was a minuscule change. I can not remember exact amounts. I was given a subordinate mortgage to cover late fees, interest and lawyer fees for the foreclosure process. I am curious to know how they arrived at the {$17000.00} amount for this loan. XXXX XXXX is the servicer now and can not provide the details, as they do not have it. I have requested the information from SunTrust three times to no avail. The loan modification was totally unfair as I fell into the foreclosure process AGAIN the following year. Attorney fees were only {$1200.00}. I also went to court for the matter and not one of your reps appeared ... .only to find out later my file was sold XXXX times and starting the loan modification process all over again and have another {$40000.00} added to my loan amount.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

I PURCHASED XXXX XXXX IN XX/XX/XXXX AND THE CREDIT LISTING REPORTS 1 ( 30 ) DAY LATE PAYMENT ON CREDIT REPORT IN XX/XX/XXXX. HOWEVER, XXXX LISTS LATE PAYMENT AS XX/XX/XXXX ... .I HAVE SIGNED DOCUMENTATION TO SUPPORT PURCHASE OF VEHICLE XX/XX/XXXX ( ATTACHMENT ) ; I ALSO WAS ON AUTO PAYMENT FROM IMMEDIATE PURCHASE. I NEED LATE PAYMENT ( S ) REMOVED AS IT IS INACCURATE.
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (TX)

I was denied a rental property because apartment complex ( XXXX XXXX XXXX ) is saying i owe {$4900.00} for charges that i have no knowleged of. I talked to someone at the complex and I was told that i didnt have a balance so I went an picked up a copy of the ledger showing I didn't owe a balance. I asked if they could remove it from my credit report and they refused saying that they looked a little deeper and found that i did in fact have a balance of {$4900.00} for a list of things i have no clue about. On my credit report it shows i owe a company called Hwarfield, and i have never did business with them before. I called them and asked them to explain the charges and they had a hard time doing so. I then asked if they could remove the inaccurate information from my credit report and they refused