davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-16
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: EQUIFAX, INC. (NM)

Hi, Recently I submitted identity theft investigations to all three credit reporting agencies Equifax, XXXX, and XXXX. After receiving confirmation that the XXXX account in all three reports was deleted because it was fraudulent the XXXX company keeps on reporting it again. I don't know what to do, and it's already been deleted and it keeps coming back. Can you please delete it again and inform XXXX that this is a fraudulent account and to not report it again please? 

Thank you, XXXX XXXX
Consumer complaint received 2019-05-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MD)

I received letters regarding a collection account from Transworld Systems. I have consistently requested copies of any and all paperwork with my signature attached with an ID. I have received very nonchalant letters from Transworld stating that I owe {$1000.00}. I have contacted the original creditor which is XXXX   XXXX XXXX. They have no knowledge of this account.
Consumer complaint received 2023-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (IN)

On the morning of XX/XX/XXXX I received confirmation from my new student loan provider Aidvantage that they received my XXXX application which was filled out the evening before. I was told it would take up to 15 business days to receive a response. It has now been a month and I have received no update except a notice to submit proof of income and to ignore if I stated I do not have income to report. I am newly unemployed, which was stated on my application as having no income. 
I have inquired with Aidvantage. Last week I was told my application was received XX/XX/XXXX. This is clearly incorrect and making me nervous. As we are now nearing the end of the 15 business day period of this date as well I would like information as to what has happened to my application and what is delaying this process. Thank you
Consumer complaint received 2023-08-23
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act This creditor has violated my rights.. XXXX XXXX XXXX Account # XXXX, Under 15 USC 1681A ( 2 ) Exclusion report containing information solely as to transactions or experiences between the consumer and the person making the report Under 15 USC 1681 section ( 602 ) States I have a right to privacy Under 15 USC 1681 section 604 ( A ) Section ( 2 ) States a consumer reporting Agency can not furnish an account without my written instructions.

Under 15 USC 1666 ( b ) Creditor may not treat a payment under a credit card account under a open end consumer credit plan as late for any purpose
Consumer complaint received 2019-05-19
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

My Kohl 's charge account had been unused for approx a year and I bought a couple of items on XX/XX/2019. Based on email confirmation from Kohls I updated my billing and shipping address for my account on XX/XX/2019. I never received a monthly statement by mail or email. However, I had received emails for updates to my account information, shipping information of my purchases and hundreds of emails of advertisments. On XX/XX/XXXX, my mortgage loan officer pulled my credit report and informed me that Kohls was reporting my account as 30 days past due. As soon as I was informed, I immediatly contacted Kohl 's to resolve the issue. The first person I talked to advised that there had been no paper statements sent but there should have been email statements. I immediately searched my email account including my junk and deleted email and found no monthly statements or notices that my payment had not been received. After speaking with his supervisor, the Kohls representive said he would remove the late fees and submit a request to remove the past status from the reporting to the credit bueras but that would take several weeks to update on my credit report. After several weeks, my credit report had not been updated so I called back and spoke to another representative that said that she saw the request and that it would be updated at the end of the month when the account updated with the credit bureas. A few days later, I received a letter that stated that Kohls had investigated the credit reporting and it was correct. We contacted Kohls customer service again and they told us that the department that handled the credit reporting had made the decision not to remove the 30 day late reporting and that there was no one that we could speak to about the issue. Given that Kohls had my correct email address, mailing address and phone number, I dont understand why no attempt was made to contact me when my payment was not received. How does the account get to 30 days past due and no attempt is made to contact me. Most creditors would at least mailed a letter letting you know that your payment was not received. When it was brought to my attention, I brought the account current.
Consumer complaint received 2019-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (AR)

I have a loan through great lakes borrower. i didnt know my school took out 9 small loans and not just 4 that have a high interest rate. As well as when i but it in forbearance they never explained that when taken out my interest would be capatalized. I also was told i was on a income based plan and that because if my income my amount is XXXX a month. they never said anything was gon na keep adding on. i was trying to figure out why my loan kept going up. when it cane time to remew my income app i didnt get notified till it was to late and they selected a plan fr me than i called and had to reapply for the income plan. and they but it on forbearance without knowing that it would capatialize my interest they just said it would freeze the account. They also make you think that if your on an income driven plan thatbis payment if XXXX than you are ok not that it gets more each month. i got rushed into signing up for school, also XXXX would have went local and not online cause they pretty much had me sigb up for a documents. thing that i had yo intial and sign that they used later for loa s i dodnt know i had.but they hadcaccess to all of that i am just now seeeing some of the paper that aas for my loans. As well as my school was to help me find a job when they accutally made it worse. and never helped i found my oown job not doing what my degree is for, only to find out i still have to take a certification test that cost XXXX for the test XXXX for books and a XXXX memebership fee. thus is 3 years adter school they never me tioned this not even after i graduated they lied on my resume.
Consumer complaint received 2019-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I began working with my husband in XX/XX/XXXX at his business, and he would pay my expenses through his checking, usually his Bank of America account. 
That is how it has been until XX/XX/XXXX. We separated to divorce because he sold my daughter medical XXXX and she was arrested for having it. He has been threatening he will stop payments in text messages since XXXX - if I left. 

Bank of America is reversing all payments he made on my behalf. 
I now face almost a year of bills in the past 2 weeks. With more to come I am sure. 
Every payment that was made is now reversed.
Consumer complaint received 2019-05-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

This has to do with the class action lawsuit against Webster bank several years ago, they had to pay back their customers because they were found guilty of putting through higher check amounts causing lower check amounts to become overdrawn, thereby costing the XXXX OD fee on more checks than if they had paid those. I never received my payment from them. I followed through with everything I had to do but still never received my payment. I can not afford an attorney to do this for me but I had a lot of months this happened to me, I know I'm due something, and right now I need every dime im owed. Thank you in advance for your help in this matter.
Consumer complaint received 2019-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank charges poor people at every chance. I opened my account on their app today to see while my account is in the black, they charged me {$30.00} Again. Yet today is Sunday XX/XX/2019 and the most recent {$30.00} charge is dated as tomorrow. They already owe me {$70.00} for forcing me into an overdraft without my permission. Now, in three days, MY Bank has stolen {$100.00} from me. I want MY {$100.00} back at once!
Consumer complaint received 2019-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Medical Management, Inc. (NJ)

I am presently having compliance difficulties with the company named, " Financial Recoveries   XXXX. '' The company 's contact details are, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, N.J. XXXX, with their telephone being ( XXXX ) XXXX. 

On XX/XX/XXXX at XXXX XXXX - I got a call from Financial Recoveries, however, the agent on the receiving end kept on asking me " XXXX - hello - are you there? '' I also overheard this agent commenting to an unknown co-employee, saying, " Traditional Medicaid ; I can't ever do it. '' Seemingly alluding to a computer problem on their side of things. 

The problem that I must have corrected, is the company is failing to pay the medical bill using my Fee-For-Service Medicaid. In XXXX of XXXX, I had been approved for Medicaid, and I received a retro-active benefits letters, and that letter explains that I've got coverage three months before XXXX, and proceeding to the month of XXXX - using F.F.S. Medicaid. 

The F.F.S. Medicaid number is XXXX. I have given my number to the company three times. The company is aggravating me very MUCH. They keep calling, all while failing to process my medical bill with Medicaid - and I have discovered today that they've sent my collections to my credit file, and I am not deserving of this. This should NOT be happening. I am COVERED and I am demanding this problem be FIXED immediately.
Consumer complaint received 2019-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (PA)

Reviewed credit report and saw a number a hard inquiry from Target/td XXXX XXXX, SD XXXX. Never applied for a Target Card and made company aware. There have been no feedback from company. Requested information regarding hard inquiry.
Consumer complaint received 2019-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CO)

I want access to a specific account for funds. Im not getting the correct information. Also how my credit is scored is just wrong and not fair. My credit score is only calculated by using one maybe 2 of the three credit bureuss thus bringing my score down considerably. Also i have a lot of inquirys too many and most i have nothing to do with. I also question a XXXX XXXX XXXX i have the title to my truck but there still charging me monthly. Would like them to be investigated. There is a few other possible fraudlent accounts that im not sure of or is fraud. There is 8 inquirys that submit negative information on me there is no reason? Medical information being sent to others and used by someone im single no kids my medical information should not be used or shown by anyone, im discriminated against as it is.
Consumer complaint received 2019-05-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OH)

I contacted PayPal concerning a purchase I made that was not as described. I didn't know until then it was from XXXX. PayPal forwarded me the address and stated to mail the product back send them the shipping information ( tracking number ) and as soon as seller receives it, I will be refunded the XXXX paid for this item which I did. PayPal denied my claim sent me an email that stated " because we did not receive valid proof or tracking that you returned the merchandise '' I found this inconceivable since they reimbursed me the shipping charge. I spoke with customer service rep XX/XX/XXXX and he stated they confirmed the package still at airport in customs. Now I'm without the item and my money because of the instructions I received from PayPal. Furthermore they are the one who provided me the address in an email which I have the mailing international form that it was sent to that address.
Consumer complaint received 2019-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MD)

This vehicle was totaled XX/XX/12. XXXX XXXX paid the remaining balance of {$3000.00} on XX/XX/12 to Credit Acceptance Corp XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. The vehicle mentioned had {$3800.00} of equity in it, which was paid to XXXX XXXX XXXX, XXXX on XX/XX/12. This brings me to the matter of the company listed here consistently reporting to my credit file as being a repo. Enclosed is a letter from the insurance company proving that they were paid and that they accepted the check and so did as I. Also, included are previous dispute letters requesting removal of the inaccuracies of their reporting to my credit file.
Consumer complaint received 2019-05-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (VA)

On XX/XX/2018, I noticed that my Coinbase account was restricted from making purchases. When I looked further, it was because they erroneously believed that my account owed them {$350.00}. This was an issue because I still had virtual currency in my account, and was now no longer allowed to liquidate it or to transfer money out of my account. As such, on that day I emailed Coinbase support. 

Coinbase support then got back to me, saying to verify my account. I verified my account. Then, they got back to me saying that I was wrong, and that I owed them money. I called customer support, and they looked deeper into my account, and asked me to send details from my bank statements to prove that I do not owe them money. I complied with this. They then said that this would be escalated to a specialist to be resolved, on XX/XX/XXXX itself. 

For the next 6 months, they continually ran me around, giving me various answers, and continually asking me the same questions regarding providing details and evidence that I did not owe them money. I continually did so. All correspondence is included in the attached email. Continually, they said that I owed them money, and when I explained and proved I did not, they continually said it would be referred to a specialist, and it never was. I have provided them with bank statements with highlighted transactions and highlighted refunds related to Coinbase ' double charge issue and all of the transactions balance out to {$0.00}, not the negative {$350.00} that they are claiming, but despite this evidence they have not even tried to rectify the situation. 

Recently, on XX/XX/2018, they took the step of liquidating {$65.00} worth of litecoin from my account, and seizing those funds, without decreasing my outstanding negative balance by such. Currently, they still have a negative balance of {$350.00} on my account, and are threatening to try to seize even more funds. No matter how many times I try to rectify the situation, or provide them evidence to support my case, it is continually disregarded. It has been over one year since I first reached out to them, and they have still not provided me with any answer or even attempted to resolve my situation.
Consumer complaint received 2023-08-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

In reviewing my credit reports, I came across a debt item that was listed incorrectly. I disputed this account to the credit bureaus, and they confirmed it was verified as accurate by you. 
I am aware of the rights I have and am requesting that you immediately remove the debt from my credit reports, or you may face damages by reporting inaccurate data to a credit reporting agency. 
( See the FCRA ) This debt is listed as a charge off, with a last date of activity of XX/XX/2016. You are reporting the charge off date as the date you purchased the debt instead of the actual charge off date. This is a clear violation of the Fair Credit Reporting Act, as it is clearly stated that " no debt may be reported to a consumers ' credit file for any longer than 7 years from the date of first serious delinquency or charge off. '' Because you have altered the charge off date as the date you purchased it, you are committing fraud. I have informed the credit bureaus of this and have asked for a second verification. When that verification comes to you, I suggest you follow the law and report the true facts. In addition to this debt being over the allowed time to report ( 7 years ) it has also passed the statute of limitations to collect. I have no intention of paying this old expired debt and I am informing you of this now. 
Should you attempt to report or collect this expired debt, I will contact my Attorney General and fill out a complaint to the Federal Trade Commission, and I will take steps to collect damages from you of up to {$1000.00}. I believe I have a case against you for violating sections of the FDCPA and FCRA should you continue.
Consumer complaint received 2019-05-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (KY)

On XXXX XX/XX/2010, I asked Western Union if it is possible to send money to the XXXX using the Western Union online money transfer service. It is over nine years now, and I still have not received a response. I mentioned the letter in a recent email correspondence with Western Union. Western Union addressed my other concerns, but continued to not respond to my XXXX XX/XX/2010 letter. 

I used a combination of debit and credit cards to send money to family in the XXXX using the Western Union online money transfer service without success. I use these same two cards for daily transactions with no issue.
Consumer complaint received 2019-05-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I had a great credit score I tried to keep all my life and now an attorney from Texas shows up on my credit as an added new account from XX/XX/2016 which I had no Idea they can add an account to your credit with out your consent. so each month it shows you didn't pay on a bogus account they added, I had no contact or communication with these people at all ever. they keep hitting my credit every month, this was also on my credit I believe with another collection agency awhile back and also affected my credit score and then it gets sold to the next collection agency. why cant these people do their research first to make sure it was already submitted to my XXXX as a claim in 2016 and they processed it. before they go unto damaging peoples credit with no proof of claim was processed correctly or incorrectly? On Medical debt for all people is mainly error from medical billing people can not process or submit claims correctly so alot of these end up in collection at no fault of ours all has to do how medical billing submits claims. if they would submit the right way we wouldn't have this big problem. medical claims in collection should be reevaluated with medical insurance company first to resolve before, then can take next step if they need to. Sometimes the claim would need to be resubmitted correctly to process and will show paid or completed. Why is it that we have to do the work for everyone in billing dept with XXXX and try to retrieve OLD information on a claim that was submitted along time ago.
Consumer complaint received 2019-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

To whom it may concern: I had my mortgage with XXXX  most recently, XXXX  transfer account to them, well XXXX  filed bankruptcy and all the accounts went to Loan Care (NewRez) around XX/XX/2019.  When I called them to setup account, get info on them, the recording states it a collection agency.  When I was able to speak to a rep, she explained that we (all previous XXXX  accounts) were not in collection its just was transferred to them for us to submit payments. That all pymts would be handle same, meaning (and I asked) that we have until the 16 of the month to pay with out late fees, Thats all explained. To my surprise & I am sure to other ex-XXXX  payees they (Loan Care) failed to say they charge processing fees to submit pymts. That to avoid $XXXX  fee to pay on or before the 4th of the month, if past the 4th, then no matter how you submit pymt they start charging, that is something we never had to do if we actually with a Bank. I get if I call, charge me a fee like any other financial services, but I pay on line, I am not in collection to be penalized with this fee, especially when we did not have any say why our accounts were transferred to them & not another bank. Can you imagine all the accounts transferred paying for 30 yrs @ $XXXX  or more a month, what sweet piggy bank for them??? The reason I cannot pay before the 4th is that I am the only income in my home, I need to pay checks to be able to cover mortgage & not loose our home.  I am asking you please help us all not be charged those convenience fees we have no fault or remove us to a reliable bank.  Not a collection agency, Please!!!
The company again NewRez/Loan Care//Loan# XXXXXXXX//they call it a one time draft fee assessed, but this is charges every month, so its not  one time. Not fair again we get penalized to pay these fees. Our accounts has to be handle like a just transferred & not a collection, we are not past due.  I reported them to XXXX, but they have yet to care to respond.  They dont care.  Thank you