davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (TX)

On XX/XX/XXXX, Capio Partners , LLC, located at XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, telephone number ( XXXX ) XXXX, placed with the credit bureau, XXXX a debt of {$330.00} allegedly owed to XXXX XXXX XXXX XXXX of Texas for XXXX performed on XX/XX/XXXX. I disputed the collection, informing all parties this is an covered procedure paid through worker 's compensation and I am not responsible for any charges. 

This company alleged it was true. They reported the debt, again on XX/XX/XXXX, XX/XX/XXXX and again, XX/XX/XXXX. 

I, continually, disputed these claims, submitting an Explanation of Benefits from XXXX XXXX XXXX XXXX verifying the charges for service and the fact I did not owe the provider. 

I, faxed this information to XXXX and the account was removed from collections on my account. 

In XXXX, XXXX and XX/XX/XXXX, the same company using another name, XXXX XXXX, using the same address with a different XXXX XXXX ( XXXX ) and telephone number ( XXXX ) XXXX submitted the {$330.00} debt, again. I disputed on XX/XX/XXXX and again on XX/XX/XXXX, they claimed the debt is valid. 

I contacted XXXX via telephone, informed them this was the same company that had been deleted, now they are using another name. XXXX was able to find the supporting document I had provided, previously and are opening the case, again.
Consumer complaint received 2024-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CT)

Transaction through XXXX with Citibank application XXXX On XX/XX/year> I was contacted by phone ( call ID Citibank Gold ) asking about the validity of transactions that were going through my account. The person on the phone knew the amounts and dates and location of transactions in my account. He was able to tell me the dates and the exact amounts. Therefore he was already logged into my account prior to calling. 
He then asked me about a XXXX transaction for {$5000.00} ( on the Citibank application ) when I said that was fraudulent he guided me through certain steps to void it and when I started to get suspicious I immediately hung up and called Citibank to report and cancel. I was put on hold and after all the information was given I was told I was in the wrong department and she transferred me and put on hold again ( at least 20 minutes ). During this time the transaction changed from pending to completed. ( I have screen shots and I am sure the bank has records of the call ) I closed my accounts the next day. 
On XX/XX/XXXX I received a text message from Citibank cold with a canceled XXXX request payment on XXXX ( from my closed account ).
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Adler Wallach & Associates, Inc. (AL)

On XXXX XXXX, XXXX payment on a past due balance was made at the XXXX in XXXX Al. I was advised that once payment was made, this account would be deleted from my credit report. This payment of {$230.00} was paid by debit card and I received a reference number. As of XXXX XXXX, XXXX the balance was being incorrectly reported to the credit bureau. I contacted AWA, an agency employed by XXXX to collect the past due balance, to advise that the balance was paid in full. I spoke with XXXX XXXX a customer service rep and I spoke with her supervisor XXXX XXXX who were both given the information regarding payment. They stated that a reference number was not " good enough '' to update the account and that XXXX would need to contact them to have the balance updated. I contacted XXXX who in turn stated they would send the information over to AWA to correct the account. A direct dispute was submitted on XXXX/XXXX/XXXX to XXXX, who on XXXX/XXXX/XXXX determined the account as being verified and that it met 'FCRA '' requirements. AWA has continued to not only report the incorrect balance but but continually and erroneously increase said balance monthly by {$1.00} which has affected determining my credit worthiness to other lenders. On XXXX/XXXX/XXXX I contacted AWA and spoke with XXXX XXXX she advised that they still show a balance in their system for the amount and that only XXXX can have the account closed since XXXX is their client. She also stated that no info was received from XXXX regarding the account status. XXXX stated that she was not able to or had access to the information on who needed to be contacted at XXXX. On XXXX/XXXX/XXXX I contacted XXXX collection department at at XXXX and spoke with a customer service rep there who stated the following : on XXXX payment in the amount of {$230.00} was received and my account shows a {$0.00} balance ; on XXXX/XXXX/XXXX the account was notated closed with collection agency ; on XXXX/XXXX/XXXX XXXX contacted AWA who was notified that the balance had been paid in full. As of XXXX/XXXX/XXXX the balance showing on my credit reports of {$290.00}. AWA has continue to a ) increase the debt each month to the credit bureau b ) gave incorrect information once the dispute was filed c ) refused to contact XXXX or accept the confirmation number given by XXXX in order to update/report the correct information and continue to report this as an open account with the balance increasing monthly.
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am An interest only mortgage holder in the year XX/XX/2007 I think I wanted to lower my payments like everybody else. I was advised that because I was current that I could not refinance. The mortgage holder advised me to stop paying my mortgage and do a remod I agreed. when the forcloseure process began I did a remodification the bank lowered my payment put me back in a 30year mortgage again and increased my principal by XXXX. I was always paying interest only on $ XXXX now I 'm paying interest only on $ XXXX I was never paying off my principal just interest only why am I paying interest on on XXXX that I never had
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 — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2024-11-27
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 (OR)

RE : Wells Fargo Class Action Suit. I was contacted by 3rd party handling the settlements, I was not satisfied with the settlement amount and faxed over a Mediation request per their instructions. I have heard nothing from them in response. I attached a letter addressing my concerns to the Mediation form, it explained Wells Fargo 's inability to correctly identify charges to my checking account for an unauthorized enrollment in an insurance program for a period of 12 years, the dates of enrollment they came up with was provided to them from a 3rd party which they were unable to explain how the dates were identified and what products they were for nor were they able to identify the 3rd party involved. Wells Fargo was not able to accurately identify anything about the charges on my account nor did they seem to be aware that I tried several times over several years to get them to stop the charges, all the while dealing with personal turmoil that demanded my full attention. I have the letter and the Mediation form along with my bank statements for the period in question, yet Wells Fargo has been unable to accurately identify the charges, the products, or the 3rd party involved in these charges to my account. Their processes are not credible and they have not responded to my request for payment.
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (TX)

A company which I had transacted a purchase in the past ( about 2 years ago ) charged my account for {$230.00} in XXXX of this year. When I called the company I was told that they had no record of charging me for this and instead wanted me to give them my credit card number and other personal information. I refused to do this because I gave them the transaction number and they should be able to figure it out without all of my financial information. I disputed it immediately. I had to chose from a drop down list of options to dispute the charge and the only one that applied was a fraudulent charge. I felt like my account had been compromised since this company was using my information from a past purchase to steal from me and stated this in my dispute. The bank has done nothing except call me once. They did not even stop the card numbers and re-issue new cards until I threatened them with filing a complaint with CFPB on XXXX XXXX 2016. At that time they re-issued new cards which we received on XXXX XXXX, 2016 to me and my spouse but did nothing about the fraudulent charges to my account.
Consumer complaint received 2021-09-09
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)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , TX XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX, TX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX , TX XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX PLEASE UPDATE MY NAMES REPORTED ON MY CREDIT FILE, THESE NAMES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , TX XXXX
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (IN)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

I applied for a loan modificaion when I was current on the loan. The current loan rate is 7.25 % interest which I 've had for many years. This is a rental property and I asked Ocwen if they would consider reducing my interest rate as the property is 41 percent owner occupied and one owner owns more than XXXX units. Ocwen offered me a even higher rate and sent me papers to sign if I wanted to proceed. I 've called and email mentioning I did not want their offer at a higher interest rate. Ocwen continues automatically drafting my account the monthly payment however they are placing them in " Suspense '' and charging me late fees. As of today I 'm two month behind in payments as they are holding my payments in Suspense. They also did a hard hit on my credit bureau file which they said they would not do. It appears they have every intention to forclose on my property and I 've tied to talk, reason and make them understand however the communicaiton with these people does not work. I need help getting this cleared up immeaditely. Thanks XXXX XXXX
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Shellpoint Partners, LLC (CA)

Shell Point Mortgage place a lender insurance on me increased my payment by {$600.00} all because they failed to payment my insurance payment on time. I have a conventional loan that includes mortgage, taxes and insurance. I have been overpaying since 2014 and they refuse to help me lower my payment. All I get is the run around.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MD)

I had a payment due to Shell Gas Credit Card- Citi CardXXXX on XX/XX/21. I received a payment on XX/XX/21 and did bill pay through my financial institution same day XX/XX/21. I was told my payment would go through on XX/XX/21. Unknown to me it was not an electronic transfer from my financial institution to the credit card company, but a check that processed on XX/XX/21 and not received until XX/XX/21. I asked for a late fee waiver due to one my payments are not as regular as should be due to pandemic and not understanding that payment would be an electronic check instead of ACH into account. Also it is stated on their website that the mail is slower than normal during pandemic times to contact them if experiencing a delay. I've done what was required of me and did notify them asked for a waiver and was denied because they stated they did not receive my payment on time. Normally, I would not complain, but I do find this to be unfair practices. They are allowed to lower my balance to show I have a higher risk concern during pandemic times, which too is unfair. My finances are due to not being able to work consistently during these times and still I am being penalized for the world being deemed in a state of emergency. My only request was to have the late fee waived, nothing else.
Consumer complaint received 2024-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AL)

I sent 2 different transactions from a different account that was in my girlfriends name ACH transfer they went though fine I made a few purchases thought out the weeks one day went to withdraw what was left to make a large purchase the teller at Wells Fargo branch in XXXX on XXXX XXXX XXXX counting me the money before she finishes her higher up Im guessing manager walks up stops her and they go to the back I assume to discuss this when the teller comes back and tells me sorry she cant help me I leave moments later the account is closed and the funds are gone. I called multiple times always giving the answer that a decision was made and within 60 days I would recieve payment in the mail but that was XX/XX/year> and I still havent got my money {$7200.00}
Consumer complaint received 2016-09-08
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (NJ)

Paypal is holding my funds refusing to release and continues to not remove the hold time on my account even though multiple employees confirmed I was verified and shouldering have funds pending. This is punitive and without cause. I believe they are holding funds for the specific reason of doing night sweeps into interest bearing accounts to monetize the held fund from all their clients. I have now spent 2 months on tis issue and each time a payment is held I work with the service team to their to ensure I am verified and in good standing to not have a hold on my next payment. Once again they hold it. They are deceitful and dishonest. 

The best part of this whole situation is I just found out now each time i have called an requested the funds be released early, there staff is instructed to make a request. The request actually goes to the same department and know that they are unable to actually approve the request. This is done to stall the consumer to further help paypal fraudulently hold funds.
Consumer complaint received 2024-11-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/2024, I was informed that my claim regarding a fraudulent XXXX payment was denied because Wells Fargo found that I authorized this payment. 

For background, on XX/XX/2024, at around XXXX XXXXXXXX, I received an email notification that I XXXX  XXXX XXXX {$3000.00} from my Wells Fargo savings account. I do not know anyone named XXXX XXXX nor was I initiating a XXXX payment from my account at that time. As a result, I immediately ( within minutes of receiving this email ) called Wells Fargo to report this fraudulent XXXX payment and indicated that I did not know this person and was not intending to initiate a XXXX payment and/or transfer funds to XXXX XXXX and/or any other person. Moreover, I indicated that I have never given anyone my account information, login information to my online banking account, or given anyone my pin to my debit card. I spoke to a representative and expressed concern that this person clearly has unauthorized access to my savings account and presumably my other accounts. As a result, my online banking was frozen and my savings account was closed. A claim was opened regarding this XXXX payment. 

In addition, I filed a police report reporting the aforementioned incident. I stated, verbatim, I do not know this person and did not authorize and/or consent to this payment in any way shape or form, including, but not limited to, the recipient, amount, initiation of payment, and/or transfer of funds all together. I have attached a copy of my police report for your reference. Notably, I am a licensed attorney and fully aware that falsifying any information in a police report is a serious offense. 

To be very clear, I absolutely did not authorize this XXXX payment. To reiterate, I do not know this person, did not give them access to my account, have never provided anyone with my Wells Fargo login information, did not authorize anyone to send a XXXX payment through my account or devices on XXXXXXXX XXXX on XX/XX/2024 ( or any time before and/or after this date and time ), and am completely unaware how this person was able to gain access to my account ( s ) and the funds therein. I am unsure if they hacked my account or devices ( phone, computer, etc. ) in order to make this payment. 

I am not quite sure how this could be considered an authorized payment especially given the circumstances surrounding said payment, namely : ( 1 ) the fact that I have never zelled this person before ; ( 2 ) I have never zelled anyone from my savings account where the majority of my funds are held ; ( 3 ) I immediately reported this fraudulent transaction ; ( 4 ) said person XXXX  themselves the daily limit for this account ; ( 5 ) I have never made a XXXX payment with that high of an amount ever ; and ( 6 ) I filed a police report regarding the incident.
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: FCC Finance, LLC (HI)

I was XXXX in XX/XX/XXXX about five months into my XXXX two accounts for FCC Finance appeared on my credit report file as an open account like I had established a line of credit or brought a product from this company. I have never done any business with this company at all so I would like for them to remove these accounts immediately as it is impacting my credit score. The Account states that it was opened in XXXX but never reported anything until XX/XX/XXXX. 

Account number. XXXX for XXXX Account number XXXX for XXXX
Consumer complaint received 2021-06-30
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. (FL)

I am writing to dispute the following information on my file. I did not make the charges. The information listed in IDTheft Report does not relate to any transactions that I have made. It is the result of Identity Theft. Also, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed.
Consumer complaint received 2019-08-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

My information was part of the Equifax Data Breach. The FTC has been sending me updates regarding the settlement process. A few weeks ago I responded to the FTC’s link to choose how I wanted to receive a settlement when the case was finalized. I chose to receive the cash settlement option. Then, last week, XX/XX/XXXX, I received a letter and check from Equifax for XXXX. See copy of the letter and check below. So today, XX/XX/XXXX, I tried to call both the phone number and the email provided in their letter to ask a question about why they sent the check at this particular time and for the amount stated above. Both the phone number and the email are non-working. I then called the FTC about the non-working numbers and the letter I received. I was directed to the Consumer Financial Protection Bureau. I spoke with someone who provided me with contact information for Equifax and also said I could file a complaint I I wanted to.