davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (PA)

I submitted a complaint against  Wells Fargo Bank/credit divi sion on  XXXX / XXXX /  XXXX   regarding issues with our interest rate after opening a checking account. the associate at the bank promoted all the benefits of their credit card ... overdraft protection etc.This evening, X/X/17 ,  Wells Fargo responded to the  complaint basically stating the same responce and wording i 've heard for the last  2yrs.  This was not the result i expected filing a complaint with CFPB and considering wells f argo 's track record over the last 4-5 yrs am very disa ppointed. My main point in this complaint and over the l ast 2+yrs is the bank showing what specific  criteria was used to apply a 26 % interst rate to my account other than to state credit worthyness. As i stated in original complaint and directed at wf associates many times, how was i able to purchase a house at 2.62  % ..15yrs and have a credit score that ranges ar ound  XXXX  and get hit with a 26 % rate on their card. Again with this banks past goals of misleading practices and placing revenue above their customers, i strongly believe this should be looked into further Original complaint #  XXXX
Consumer complaint received 2017-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: American Payment Holdco, Inc. (MA)

I sent  XXXX  to my  XXXX    XXXX   XXXX   company via   XXXX  a t  XXXX  last week on  XXXX . I paid {$1.00} for next day delivery. It is now over a week, and there is no sign of my payment being sent to  XXXX .    XXXX   XXXX    hold times on the phone are over an hour long. I have heard they have had  IT iss ues last week, but this is unacceptable.
Consumer complaint received 2017-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC (WA)

The original charge was for ambulance services provided by  XXXX  on  XX/XX/XXXX , taking my father,  XXXX   XXXX , from his   XXXX   XXXX   facility   to a hospital after a   XXXX   XXXX  . The service was incorrectly coded, so  XXXX  denied payment. Therefore, direct payment was arranged with  XXXX  to pay the bill of {$700.00} ), first on 5 recurring payments from  XX/XX/XXXX  of {$63.00} each ( totaling {$310.00} ) and  one  final payment on  XX/XX/XXXX , in the amount of {$380.00}, bringing the total paid to {$700.00}. As a side note,  XXXX   XXXX  passed away  XX/XX/XXXX .     At some point after full payment was made,  XXXX  passed information on this charge to a collections agency (  XXXX   XXXX   XXXX   ,   XXXX  - an affiliate of  Pendrick Capital Partners,  LLC ), who attempted to bill my mother,  XXXX   XXXX  ( who is  XXXX   years old and requ ires my assistance for her financial affairs ), for a total of {$690.00}. I contacted  XXXX  by phone, who stated the account was paid in full, and the collections was a mistake. I contacted   XXXX   by letter, showing proof of payments made. On  XX/XX/XXXX ,  XXXX  replied acknowledging the dispute letter, and stated they had ceased collection of the account pending investigation of dispute. Nothing was ever heard from them again.     In  XX/XX/XXXX , another affiliate of  Pendrick Capital ,  Affiliate Asset Solutions LLC, wro te to my mother demanding payment of {$690.00}, without any acknowledgement of the previous dispute or proof that the payment was not owed. Fascinatingly, they changed the date of service for the ambulance from  XX/XX/XXXX  to  XX/XX/XXXX . No service was provided on  XX/XX/XXXX . They did not acknowledge the patient / consumer,  XXXX   XXXX , had passed away. My response was to send the entire package of proof of payments in full to  XXXX , along with copies of the letters received and sent to  XXXX . I received no acknowledgement of this package.     Yesterday  (  XX/XX/XXXX  ) I re ceived ANOTHER letter from  Affiliate Asset Solutions , this time offering my mother a " discount '' of {$240.00}, demanding a payment of {$450.00}, which was due the date the letter was received in the mail. There is no acknowledgement of the previous disputes, proof, or death of the actual consumer of the original ambulance service. Today I have downloaded your template letter demanding they cease to contact my mother about the debt ; attaching the entire package I keep sending them proving the debt did not ever exist.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have several unauthorized inquiries on my credit report. I have been a victim in the following data breaches Equifax, XXXX, and XXXX XXXX XXXX as a result my information has been leaked on the dark web. I have called and sent in several requests to have these inquiries removed from my consumer file. The have not been removed nor have I been contacted as a result of the investigation. Below are the inquires in question Date Company Address Request Originator XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am formally disputing the recent update to my credit report on XX/XX/year>, regarding the XXXX XXXX account and requesting a re-investigation of all reported details. First, I dispute the balance of {$1400.00}, which exceeds the original credit limit of {$1200.00}, reflecting a utilization rate of 125 % despite the account being listed as charged off. This is inaccurate and misleading. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy, and this discrepancy should be corrected or removed. Additionally, I challenge XXXX XXXX ' status as the creditor. I do not acknowledge this debt, and I request proof of XXXX XXXX ' legal right to report this debt, specifically a valid contractual agreement containing my full signature that establishes my obligation to repay the debt. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which mandates that only accurate and verifiable information can be furnished by a creditor. I also dispute the current payment status, marked as Charge-off with a past due amount of {$850.00}, as the account has been closed and charged off. Reporting a balance as past due after a charge-off is inaccurate, and I request that this be corrected under FCRA 15 U.S.C. 1681i. The worst payment status, marked as Charge-off, along with inconsistent payment history, also violates FCRA 15 U.S.C. 1681c, and must be corrected or removed. Lastly, I dispute the remarks, which state " Consumer disputes after resolution ; Charged off account. '' I do not agree with the resolution of my prior dispute, and these remarks are misleading. They should be removed in accordance with FCRA 15 U.S.C. 1681s-2. I request a full re-investigation of all account details, including the balance, creditor status, payment status, and remarks. Please provide written confirmation of the results of your investigation, along with a valid contractual agreement containing my full signature if this debt is valid.
Consumer complaint received 2017-05-04
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: HCFS Healthcare Financial Services of TeamHealth (TX)

This company violated the law. As I stated I have kept close documentation and records of all communication and action taken on this account with the company.  XXXX  failed to report account as disputed within the le gal 30 day tim e frame. They have no sent validation of the account nor my signature showing contractual obligations binding me to this account within the legal allowe d 15     days to provide proof. The account also is incompletely reporting and not following   XXXX   XXXX   compliance. I will be filing a lawsuit with the court closest to me against this company seeking up to {$1000.00} for each violation as well as attorney and court fees.
Consumer complaint received 2017-05-05
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: CITIBANK, N.A. (CA)

On  XXXX   XXXX  I registered a Best Buy Credit Card to purchase a {$1000.00} TV with 6 months no interest. I later purchased another TV in  XXXX  for {$600.00} on the same card.     I had been making payments every month since  XXXX  and continue to this day  XXXX   XXXX   XXXX  ). I never gave it too much thought but finally iwondered why the balance never lowered. After 10 years of paying at least the monthly minimum I still owed {$1600.00}. I looked into my bill statements when I noticed I was paying something called " debt protection. '' This debt protection service would amount to  XXXX  dollars a month. I had apparently been paying this fee for all 10 years and had no idea what this was or why it was on my statements.     Mid  XXXX   XXXX , I calle d Citibank ( whi ch had taken ove n   XXXX   when I signed up for the card ) and told them my con cern. They put in a request to refund me the money I paid into the debt protection service which amounted to about $  XXXX  as what they told me. A couple weeks later I received a letter from Best Buy stating " any previous billed fees are valid and non-refundable. '' They denied the attempt of a refund but did opt me out of the debt protection service.     I have since call ed Citibank and B est Buy hoping to get clarification in the matter. They have not given a proper answer or direct contact letting me know why the refund was rejected or why this was added onto my statements for 10 years. After doing more research into  Citibank  and  XXXX , it appears there was some fraudulent activities occurring as they were participating in unfair deceptive credit card practices- latching on add-ons to your bill without making the consumer aware.     I had no idea what this debt protection was or why I was enrolled in it. I 'm still not sure what it even offered or why it was included when signing up for a Best Buy credit card.
Consumer complaint received 2017-05-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Security National Automotive Acceptance (IL)

Security National Automotive Acceptance Company   XXXX   XXXX   XXXX ,  XXXX , Ohio  XXXX  ext  XXXX  On  XXXX    XXXX   I filed a deferral for my car payment due to the fact that I unexpectedly lost my job. Since then, I have file d 5 c redit disputes ( probably more ) because SNAAC has not reported my payments correctly to the credit bureaus. The  XXXX  payment shows up as a late payment and my payments after  XXXX   a'rent even  reporting. I have made all of my payments on time but because its not showing up on my credit reports correctly, my score drops tremendously.  SNAAC  has told me that its the Credit Bureaus fault and the Credit Bureau are telling me to contact SNAAC. I am being ran in a circle and my problem is n't getting fixed. I have been working diligently to fix my credit and this is very distressing. After i file the dispute, my account is made current but the following month, it reports incorrectly. My  credit score goes up to 630 and as soon as SNAAC reports it drops back down 560 and i have t o dispute again. For almost 5 months now, this has been going on.
Consumer complaint received 2017-05-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX   XXXX   XXXX  did n't replying in a timely manner to my letters to date after numorious certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they  may  be liable for your willful non-compliance, as per FD CPA 807. False or misleading representations [ 15 USC 1962e ]   As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am preparing lawsuits against  XXXX , Experian &  XXXX  for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel pissed since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

To whom it may concern, I never gave Equifax any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.

You also do not have any permissible purpose to furnish my personal information to any third party.

THIS IS IDENITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUSCTION TO REPORT THIS ACCOUNT LIST BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECIEVED MY INFORAMTION FROM A SECONDARY REPORTING AGENCY.

PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENITY THEFT AND I DEMAND THIS ENITRE ACCOUNT BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATA BASE. IM EXCERCISING MY RIGHTS.

As a consumer, I am demanding a deletion of the following account : 1. Please validate this account TENNESSEE DEPT OF H Please delete this from my consumer report.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 



PLEASE SEND ME AN UPDATED REPORT SHOWING THIS ACCOUNT BEING DELETED FROM YOUR DATA SYSTEM IMEDIATELY
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

under 15 U.S. Code 1681i ( a ), I have the right to request an investigation of disputed information. I am demanding proof of the investigation that took place, including documentation of the permissible purpose for these inquiries and the name of the person or entity who authorized them. If this evidence can not be provided, the inquiries must be removed immediately.
Consumer complaint received 2017-05-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK (NY)

Late fees assessed improperly. I called i n 2015 to in quire about changing the billing date of my personal loan payment and was instructed that I could do thi s three  times throughout the loan. I then went online and changed my auto-payment date, thinking that would have the effect of changing the official payment date, but it did not. Since I was using auto-pay, I did n't know I was being assessed a late fee every month, despite not being told at the time I changed my auto-pay date that this would not change my official payment date. The total late fees assessed were  XXXX  x {$39.00} = {$390.00}. Once I realized this occurred, I called and the customer service rep was authorized to refund  XXXX , leaving an outstanding balance of {$270.00}.
Consumer complaint received 2017-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

In   XX/XX/XXXX , I  graduated from  XXXX  Universit y 's     XXXX   XXXX   XXXX   XXXX   I took out federal   XXXX   loans in an amount totaling roughly {$7 8000.00}. Beginning   XX/XX/XXXX ,  I started making income-based repayments. My loan was transferred to Navient. I have been making payments since then. My estimate i s 58 payments to date. However, Navient has only calculated 17 qualifying payments, and apparently only 10 on  XXXX  loan. This is a different of at least 41  payments.      I have also documented call times and who I 've spoken with at different stages in the process. Each step along the way, I would confirm my goal of PSLF, and continuously I was assured that a forbearance they recommended ( while locating paperwork they had lost, for example ) would not affect my qualifying payments. I was routinely given alternative facts and my account was mishandled. And 5 years into nonprofit work and making monthly payments, my student loan amount has only increased and my account only shows one and a half years of qualifying payments.     I 've done my best to record conversations after my account was continuously transferred to new loan servicers. Currently, I am told by   XXXX   XXXX   that I need to follow up with  Navient about disputing qualifying payments. But Navient  says they 're no longer my loan provider and is unavailable. Also, their number  XXXX  is not connecting today ,  XX/XX/XXXX  Please  advise. Thank you.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-22
Product: Credit 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)

Filed dispute # XXXX on XX/XX/year> with Capital One against merchant XXXX on a canceled flight with charge of {$550.00}. Dispute was denied and closed on XX/XX/year>. My sister, which was on the same flight with me, also filed her dispute XXXX against the same merchant with Capital One on XX/XX/year>, her dispute was resolved on XX/XX/year> and she got her full refund back. We have uploaded same kind of supporting documents ( airline has supplied us with XXXX of XXXX XXXX ) to Capital One secured link. I have called Capital One and was told to uploaded a letter to request explanation of different outcomes of these XXXX disputes, i uploaded the letter on XX/XX/year>. I felt my dispute was not fully inspected by Capital Once, I received request to upload supporting doc on XX/XX/year>, which i did on XX/XX/year> and within less than XXXX hrs, the dispute was denied and closed. I want to know why is my dispute is denied while hers is approved.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.