davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

I sent the Credit Bureaus along with this agency ... Certified letter, affidavit of fraud, police report..My ohio drivers license ... and copy of social security number. I instructed the bureaus to valid all debts Public and private with the following according to the Fair Credit reporting act sections : 604, 609, 611 and 613 ... so there was no misunderstandings about my request according to federal laws. I instructed the bureaus to validate my accounts thur Original Documentation..original contracts and signitures. They never producted any thing ... nor would they tell me how there investigation started, or ended. I later called all said " Creditors '' and they advised me that the Bureaus Never contacted them. Whereas the bureaus state that they did a thorough investigation according to fed laws. Please refer to docs sent to this agency that 's on file. The bureaus took some items off ... back they are now still reporting ...
Consumer complaint received 2017-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has on record from XXXX XXXX when I was robbed and identity got stolen more than once. Everyim I pay off the balances there were more pending charges that just exploded and I could not keep up. I talked to capital one many times and they have bank records and legal records of my continuing problem oh ID theft from XXXX XXXX to now. Capital one is the only credit company that is taking this unfortunate event and destroying my life and credit by reporting the fraud activities on my report even though they have police and bank records to proof that my account were all simultaneously hijacked and I was helpless. I need help and capital one is blocking my accesss to let 3rd party representations have access to my account records for review. I need help.
Consumer complaint received 2017-11-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

During the process of refinancing my home to go to a 15 year mortgage with bank of America, the appraiser they hired lied, and wrote my house up as being less sq footage, with less bathrooms and less bedrooms then it actually is. Therefore making the house worth way less, giving me a higher interest rate and keeping my pmi. They also used houses to compare my house too, that are in much worse areas and much smaller. My appraisal was a complete scam and when I called them out about it, I did n't hear back from them for four days. I was charged {$540.00} for the appraisal.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

XXXX/XXXX/XXXX spoke to an agent about inquires that where removed and placed back on they stated it was accurate which it was not called multiple times and they kept giving me the run around. I 've sent in the proper documents and still no results.
Consumer complaint received 2017-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Bread Financial Holdings, Inc. (MN)

My issue is with PayPal Credit. 

On XXXX/XXXX/17 I purchased an item from a seller on eBay and paid the seller using PayPal Credit ( {$130.00} ). 

Sometime after this transaction was completed, my XXXX account was compromised and the fraudster changed my contact and address information ( I did n't learn of this until several weeks later ). The XXXX seller shipped the item to the fraudster 's address, so I never received it. I contacted eBay and they confirmed that my account had been compromised, so we changed passwords to rescuer the account. 

In the meantime, I filed a dispute with PayPal ( dispute ID XXXX ). I was just notified by PayPal that they declined my claim, as they confirmed that seller had shipped product. YES, SELLER SHIPPED PRODUCT TO THE FRAUDSTER 'S ADDRESS AND I DID NOT RECEIVE. I should be covered under PayPal 's Buyer Protection promise.
Consumer complaint received 2017-11-20
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. (GA)

Company : XXXX XXXX XXXX A dispute of fraudulent charges in XXXX led to charges being removed from my account and a new card being issued. I was advised that a document ( affidavit ) would be sent to me but it was never received. In XXXX, a bill of over {$500.00} was presented to me when i called and asked why my card was n't working. I asked to see the bill. I checked online and there were no bills available. I contacted customer service and spoke to over 15 representatives including 5 managers. There was no bill mailed to me on over 2 months. They kept trying to force me to pay over {$200.00} to get my bill back in good standing but i needed to see the actual bill ... I finally received a bill in XXXX and after having countless conversations the charges were reversed, ALL late fees were returned and the correct balance was paid. I thought this meant that the late payment would also be removed but i check my credit this weekend and its still there.. I could not pay a bill if i could n't see a bill. If i had just paid the {$200.00} they would have been cheating me out of alot of money. When i finally received a bill there were $ 170+ worth of charges that should n't have been there.
Consumer complaint received 2017-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

I 've had a 7 year relationship with Discover. I set auto-pay to ensure i am up to date on my payments to ensure I 'm continually in good standing. The three months my card was at or close to my limit and minimum payments paid, Discover reported me to the credit bureau as being over my credit limit. This has adversely affected my credit score. I do n't understand why this is when I authorized auto pay. This does not occur with any other credit card companies with whom I relations. Discover 's customer service can not give me a solution for this problem and they refuse to correct this problem with the credit reporting firms. They never contacted me to allow me to bring account bring my account current.
Consumer complaint received 2017-11-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Broward Adjustment Services (FL)

Collector Name : Broward Adjustment Services Balance Date : XXXX XXXX, XXXX Original Amount Owned : {$230.00} Account Number : XXXX Originated from Medical billing from Dermatologist at the University XXXX XXXX XXXX XXXX XXXX the agreed to amount, event though doctor added procedures not performed. 
After insurance paid, they sent additional bill, I called the medical department but they refused to even listen. I told them that I will not be responsible for procedures entered by error. They would not listen, then they sold the collection to Broward Adjustment Services. When they contacted me I told them about the issue, even agreed on partial payment so they would not put on my credit report. But they said either the full amount or nothing. This is medical fraud, overcharging and listing false procedures then selling it to a collection company. These practices by certain doctors taking advantage of their position and the system had to stop.
Consumer complaint received 2017-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK (MN)

XXXX received a notice to levy my account for not filing taxes in WI. They emptied my account on XXXX XXXX and I received notice of this on the XXXX. I remedied the situation right away by filing the missing information and I confirmed on the phone with a WI representative that my money should be returned after they receive it from XXXX. 

I called WI today, the XXXX, and the person I spoke with said XXXX has n't sent the money yet and that I need to contact them to find out more. He said once they receive it, then they will return it, but they ca n't do anything since XXXX has n't done anything. 

I went to the local branch and the assistant XXXX said there was n't anything they could do. I asked for proof the money was sent or any type of tracking and he said that they could n't give me any information. Just that when they get a notice, they comply. I said I understand, I just want more information as I was told that Wisconsin has n't seen anything yet and I would like a time line on how things work. They refused to give me any corporate number and said I could try the phone support, but would likely get the same answer. 

The total amount debited was {$620.00}, the levy was for XXXX. The levy number was based upon a guess for how much tax WI thinks I would owe, had I filed taxes. The previous year I filed was {$0.00}.
Consumer complaint received 2017-10-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TENET HEALTHCARE CORPORATION (TN)

After sending a XXXX debt validation letter XXXX/XXXX/XXXX, Central Financial Control failed to respond with a letter stating that I will be held financially responsible the accused debt of XXXX a signed copy of a XXXX letter with my signature, and/or any form acknowledging the debt will be forwarded to collections AND reported to the credit bureaus.
Consumer complaint received 2017-11-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. ()

I had intended to purchase furniture from XXXX XXXX XXXX ( XXXX ) XXXX. XXXX. XXXX with XXXX Invoice No. XXXX XXXX for USD XXXX. Of which, I had remitted 30 % Advance of USD XXXX to XXXX XXXX XXXX XXXX ( Account No - XXXX Swift Code -  XXXX ) with Balance amount of USD XXXX. And, the Material was shipped with Invoice No XXXX Dt XX/XX/XXXX. 

As a regular process, I verified the soft copies on Original Documents & was about to transfer the balance amount. By then, I received a mail from the supplier to make the Balance Amount to another Bank account. 

I made the Balance Transfer of USD XXXX to Suntrust Bank with Account No.XXXX & Swift Code XXXX ( Transaction reference no. XXXX Value Dated XX/XX/XXXX - related reference XXXX ) While confirming the receipt of balance amount, the supplier have informed us that the account on which we have transferred the amount does n't pertain to them. 

Having doubted, I personally visited the supplier in XXXX. And the supplier had confirmed that they have only one bank account ( to which I had made the Advance Payment and they do n't have any account in US ). Also they have confirmed that the new intercepted mail ID does not belong to them.

Then we found the mail we received with the bank details to transfer the balance amount was from some fraudster, This mail ID looks very much similar to my supplier mail ID. So it is now clear, that the New Mail ID & New Bank account is a fraudulent one & it is in no way belong to my actual supplier.

Then we have initiated to recall the wire transfer through our remittance bank. But the Receiving bank have confirmed through swift message " Funds are not available for RTN We close our files '' With all the above details, we have mailed SunTrust Bank Fraud Dept. For which we have n't received any communication till now
Consumer complaint received 2017-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge 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: TCF NATIONAL BANK (IL)

merchant name, XXXX XXXX base out of XXXX, they sell financial instrument and offer forex trading currency. bitcoins, this merchant is not register in the usa, they are not allowed to offer any type of services to people residing in the usa nor citizen of the usa and not allowed to accept funds from usa financial institution. they have violated their regulation and defraud me and manipulating documents to scam me. at first I open an account to get electronic currency as they have promise, however they never render any services, they install a robo access for trading with out permission and they charge my bank card from TCF BANK without my authorization. I file a complaint and dispute those charges made unauthorized by the merchant to TCF BANK dispute department and send all evidence include email to cancel services, they have fail to understand the situation and the fraud by the merchant, TCF BANK fail to reevaluate the dispute, they just closed the dispute base on false documents and scam from the merchant, the total amount was taken from my bank card TCF was {$12000.00} plus bank fees of {$340.00}, I 'm asking to please help me to get the money back.
Consumer complaint received 2017-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

My husband and I were traveling XXXX, XXXX this summer. It was happening XXXX of XXXX, XXXX. We had lunch at the restaurant named " XXXX XXXX XXXX '' and meals for two was charged XXXX euros. I paid with my card but somehow it seems that the manager was printing too long receipts. But we were only presented with the bill of XXXX euros so I signed without any doubt and left the restaurant. Later that night we found that it was charged twice of one with XXXX euros ( correct transaction ) and the other transaction was also made with XXXX euros. I did neither sign for the XXXX euros bill nor the bill was presented to us. We ran back to the restaurant to make a claim that there was a mistake that we were charged twice and the manager repeatedly apologized and promised us that he would make sure to fix the issue to cancel the wrong transaction. Our flight was the day after ( XXXX ) and we came back home in the XXXX. 
But obviously the manager did not keep his words to cancel the transaction and the credit card company XXXX Chase XXXX went through to make a total charge of XXXX euros for lunch at the restaurant. 
We filed the dispute to the credit card company explaining what happened to us while trying to get hold of the restaurant through emails, homepage contact, and international call. But the restaurant was completely out of reach. They never replied to any emails and complaints and never answered the phone. 
The arrangement of the credit card company was also very incompetent and disappointing. Though this case was such a typical fraud that some of the XXXX  restaurants are still trying to rip off the foreigners, Chase only contacted the restaurant and received the bill of XXXX euros with the fake signature that they must have counterfeited. I asked Chase to request itemized receipt to make XXXX euros because there is no way that lunch for two should end up that expensive one, but Chase was completely doing nothing and said they could n't do anything to help us.
Consumer complaint received 2017-11-20
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX, Equifax received my dispute about Bankruptcys on my credit file as being incorrect. As of XX/XX/XXXX, I still have not received the results of the dispute nor has the information been deleted. When I called Equifax, the supervisor named XXXX with employee ID XXXX, states the information was sent electronically to an old email address and refused to send it to a new email address on file. Equifax has also not removed old addresses or employers as requested in XX/XX/XXXX. XXXX advised me the information has been verified with the Bankruptcy court, which I know to be untrue because the courts do not verify this information by calling them over the phone which she indicated is how it was verified. Equifax has not followed the guidelines set forth by the FCPB.
Consumer complaint received 2017-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

Dear Whom It May Concern : I could really use your help! As a single mother, I struggled to make ends meet, I was able to send my son to XXXX XXXX University and took out student loans due to the fact we never received child support. I did not have a college fund for my son, Im proud to announce, he graduated and is now a XXXX XXXX. Our whole family was thrilled for this because the majority of us are police officers for the city of XXXX. 

Since XXXX, Ive been making monthly payments. At some point, unbeknownst to me, my loan was sold. I was unaware my payments were not going through the loan company until my tax refund was taken due to lack of payment. I was n't given any credit because of the fact my loan was sold. 

After my refund check was taken, I now had an account number added to the loan. When the government restructured the student loan process, it feel between the cracks. I immediatley contacted the lender and set up a new payment plan. They stated once I made XXXX consecutive payments, I would be in good standing with the loan company. I made the payments and still another tax refund check was taken from me. 

This year, once again, while taking my tax refund check, they resold my loan. I was still in the process of setting up a new payment plan and Im still waiting for that to go through. The new statement stated the same thing as before, if you make XXXX consecutive payments, I would be in good standings On the last line of the application it stated, after making the XXXX consecutive payments of my loan, will again, be sold to a new lender My credit rating went from a XXXX to a XXXX. I have always prided myself in having great credit and making sure I pay my bills on time while raising XXXX children without child support and working XXXX jobs, without help and any outside assistance. The original loan was set at {$16000.00}, now it has jumped to {$48000.00}. 

Im am begging for help! Im forever going to be on this hamster wheel, regarding this student loan. Due to the fact that they will always be reselling this student loan to new lenders. Im a hard working woman and truly need your help! Please consider taking on my case. 

Thank you so much for your time, XXXX XXXX
Consumer complaint received 2017-11-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Creditor did provide information on how to dispute debt. Creditor has placed lien against my bank account until all monies owed are paid preventing me form using my bank account since 100 % funds deposited will be forwarded to creditor until requested amount is paid in full..
Consumer complaint received 2016-10-12
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I was married with a second mortgage on a home. We divorced 10 years ago, she remained in the house. The second mortgage was n't getting paid and was charged off in XXXX of 2013. She went to sell the house and the bank would only accept a payment of $ XXXX for the balance of the charged off loan ( $ XXXX ). We offered to pay the full balance because there was $ XXXX plus in equity. The bank refused the money and we paid the $ XXXX Now the bank is reporting this as a short-sale. This was not a short sale due to the fact that we walked away with $ XXXX at closing. There was more than enough money at closing to pay this debt and we offered to pay the debt. Also, with the charge off, I had already written off the $ XXXX in my taxes as an income.. Is this bank able to collect money on a short-sale that has been written off? Im try to get another mortgage now and move on in my life and this " short sale '' is holding me back. I would like this removed from my credit reports.
Consumer complaint received 2017-11-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: GVA Holdings, LLC (MO)

I was contacted by a company that said they were paralegals and was told I owe XXXX dollars for a loan taken out in 2015 when I offered to settle the debt for XXXX I was transferred to an underwriter asking me if I was ready to go to court and said that the local sheriffs office would be there to escort me to court. I panicked and set up an arrangement to pay. I was then transferred back to an XXXX XXXX to give them a credit card. When I gave him the information he had to run to his accounting department to run the payment. ( He actually put me on hold and ran the info down there ) Im worried because that company is no where to be found on XXXX search.
Consumer complaint received 2017-11-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc. (NC)

Have disputed debt several times. This is a debit that belongs to my adult child whom have his own insurance. I was listed as responsible party from when he was under age. He has his own insurance since age XXXX. Hospital fail to collect his information. They assumed everything was still the same. I have since had myself removed as responsible party but the beauru keep stating its me debt. The debt amount is {$200.00}.