davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (VA)

I visited an ER at XXXX XXXX on XX/XX/2018. In XX/XX/2018 I was notified by my credit monitoring subscription with XXXX  that a negative report/collection was placed in my credit file and my credit score decreased over XXXX points. This is a medical bill from XXXX XXXX in the amount of {$210.00} which my Health Insurance Company / Self Funded plan thru my employer, did not pay apparently in a timely manner due to the employer did not fund the plan. I contacted my employer and the plan administrator, XXXX XXXX XXXX XXXX P.O. Box XXXX, XXXX, LA XXXX, XXXX. They have now indicated paying the claim in the amount of {$35.00} and stating my responsibility is {$0.00} due to the claim was not received in a timely manner. The debt remains with the collection agency as unpaid and has been reported to XXXX, XXXX and XXXX. I have appealed thru XXXX and it has been removed but it remains active on my XXXX and XXXX credit reports. The company, XXXX XXXX, still indicates I owe the balance even though the plan administrator indicates I do not. The collection agency is " Online Collections ''. This ordeal has affected my ability to obtain a mortgage at a competitive rate as my good credit rating has been affected significantly. Please note also that I have reported the employer, XXXX XXXX XXXX XXXX, to the Department of Labor for not funding my insurance plan and not paying my insurance claims as they should have. The contact with the DOL is XXXX XXXX, ( XXXX ) XXXX, XXXX. 

Your assistance in resolving this matter promptly is greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-01-30
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)

There is hard inquiries on my credit report twice for the same company, XXXX XXXX XXXX for XX/XX/2018 and XX/XX/2018. When I call the company, they state my credit was only pulled once. When I disputed the second inquiry with Equifax, they did not remove it. I applied for internet service on XX/XX/2018. I authorized my credit to be pulled one time to assure my creditworthiness to XXXX XXXX XXXX for a new account. There would be absolutely no reason for them to pull my credit a second time the very next day. This needs to be corrected immediately. Since I have contact both the company and the credit reporting agency already, I am at a loss as to how to get this error removed.
Consumer complaint received 2019-01-29
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. (TX)

This complaint is in response to a recent complaint that was filed. Please reference complaint number XXXX. Experian has stated that the information was verified with a furnisher/vendor company. This is an incomplete investigation. I do have paperwork from XXXX XXXX and the Bankruptcy Federal court that proves no bankruptcy information has been released to anyone. The information on my credit report is still inaccurate. Please note : XXXX coding is not a reasonable means of re-investigation. Please reference the established case laws XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX. 

I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. I am formally requesting the description of the procedures used to determine the accuracy and completeness of the disputed information, including : * the business name * the full name of the individual whom you spoke with * the full business address * and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ).

Negligence or willful disobedience to this request will prompt my immediate pursuit of legal remedies protecting my consumer rights including up to {$1000.00} in damages per account. I look forward to an expedient resolution of this matter. Thank you.
Consumer complaint received 2019-01-29
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (IL)

I am currently XXXX and being supported. I got behind on my payments and called on XX/XX/2019 to see what could be done in order to lower my payments so that I could not get further behind on my loans. I gave them all my financial details and told them how much I could afford to pay. They determined that I could afford more and so told me what the " lowest '' possible payments could be ( enough though it was beyond what I could actually afford ). I sacrificed making other bill payments and also sacrificed groceries in order to come up with the payments that they are expecting me to make. I gave them my banking details and agreed to {$130.00} payments. I get a phone call today ( XX/XX/2019 ) AFTER my first payment was made ( XX/XX/2019 ) and was told that their representative gave me the wrong information ( interest rate ) and that I needed to pay MORE ( higher interest rate ) if I wanted to be accepted into the reduced payment plan.
Consumer complaint received 2019-03-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

My mortgage company is Ocwen. I have had an ongoing dispute with them for over a year and since my mortgage amount was being disputed by me they refused to accept my payments unless I agreed Ocwen was correct. I filed a complaint with CFPB and XXXX XXXX 's XXXX. Ocwen finally responded to me, CFPB and the XXXX 's XXXX. Their response has generated a new issue and this is why I'm making a new complaint. 

Ocwen is treating my mortgage as if were a negative amortization loan. My home has never had a neg am loan. Furthermore, their response stated that this loan had an interest only feature. It does not. It is a fully-amortized loan. They are calculating the balance of my loan and my monthly mortgage payment as if it were a neg am. They refuse to admit my mortgage is not a neg am and still refuse to accept my mortgage payments because I will not agree to this. As a result, I'm hiring an attorney to resolve this issue.
Consumer complaint received 2019-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a personal loan from XXXX XXXX. They are incorrectly reporting that my loan is a derogatory status and showing as many days late. We have a payment agreement and I am paying as agreed and my account does not reflect this.
Consumer complaint received 2019-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I went to the website to get my entitled free annual report but it was blocked for whatever reason and I was told to " mail in '' my identity and SSN number! Who on earth would be XXXX enough to mail in such private information? What an archaic system! I had no other problems confirming my identity and getting my reports from XXXX and XXXX. Equifax has a system history of problems and information discrimination, I XXXX XXXX HERE DEMAND my entitled free credit report and the data you are collecting about me.
Consumer complaint received 2019-03-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I signed up for a Capital One Money Market account on XX/XX/XXXX. My account number is XXXX. Under the terms of the bonus offer at the time, the offer stated the following : " Deposit at least {$50000.00} no later than XXXX XXXX ET on XX/XX/XXXX If you have or have had a savings product with Capital One after XX/XX/XXXX, you wont be eligible for the bonus. 
Bonus offer is not valid for multiple accounts. 
If you qualify for a bonus, Capital One will deposit the bonus money into your account within 60 days after completing the above conditions. 
Once its deposited, the funds will be available immediately. Account must be in good standing ( not in default, closed, or suspended, or otherwise not in good standing ). 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them. '' Upon depositing $ XXXX in $ XXXX installments over the period between XX/XX/XXXX and XX/XX/XXXX, I then proceeded to withdraw the funds from this account. I have since tried contacting Capital One on chat and then on phone, and proceeded to speak with a customer service representative and a supervisor who advised that the terms of the offer have since then changed and keep directing me to the renewed terms of the offer which state that the funds need to be in the account for a period of 60 days after the time passes. The terms at the time of the account opening do not have the requirements for the funds to stay in the account for 60 days. The terms of the offer were not honored for me even after fulfilling the requirements. 

I request that the {$500.00} bonus offer be honored by Capital One since I deposited the required amount during the period between XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2019-01-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (PA)

In XX/XX/XXXX, Wells Fargo Bank was involved in online banking with my name and social security number. I received statements from Wells Fargo regarding several open checking and savings accounts. These accounts were opened using a fraudulent name and address and social security number. Upon receiving this statements, I immediately contacted Wells Fargo to report the identify theft. 
On XX/XX/XXXX, I received a letter from Wells Fargo saying that Wells Fargo will be closing the accounts on XX/XX/XXXX due to reports of identify theft. This is weeks after I reported the fraudulent accounts. 
On XX/XX/XXXX, I received a statement of accounts from Wells Fargo to let me know that my account options are online banking and my spending report. I immediately contacted Wells Fargo and their fraud department and I received a run-around. I talked to 6 different people, which are noted on the attachments, and received no satisfaction. 

I have never done online banking and Wells Fargo put me in jeopardy by not doing not doing any investigation by opening accounts, without proper verification. I have included two documents which I hope will shed light on this injustice done to a senior citizen. I am approaching my XXXX year and I can not believe it takes someone online minutes to open up a fraudulent account and it may take weeks or months for me to resolve this problem.
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My BOFA closed my credit card account for no reason and when I asked where my letter of explanation they said it will be there soon and I never got it. I asked multiple times why they had closed my account? They couldnt give me a definitive answer. They tired to tell me my credit must have a taken a dip or my income to debit is to high which was all lies because my credit is in excellent shape and never even have had a dispute on my credit report. I paid on time and well over the minimum payment. I suspect some bank fraud going on here I have looked into multiple social media websites and multiple people are having the same issue. 
The account had been paid off in full and is now permanently closed and for me to reopen my credit card. BOFA wants to run my credit for an account I already had hmm?
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MD)

On XX/XX/2018, I was informed through XXXX XXXX that my XXXX XXXX  store credit card had been closed as of XX/XX/2018, by a credit grantor. This was done very haphazardly and without warning. After speaking to a XXXXXXXX XXXX representative, I was told I was not able to reactivate my account due to inactivity. Being away at school for the past several years has restricted my opportunities to utilize the card for that period of time. I do not feel as though this account should have been closed without my consent in light of my situation. Furthermore, this arbitrary closing has also severely affected my credit score. As a long-standing customer with XXXXXXXX XXXX, I feel it is their obligation to intervene and rectify the situation. Thank you.
Consumer complaint received 2018-07-16
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: Innovis (NY)

On XX/XX/2017 Cbcinnovis gave me a hard pull which I did not authorize. I never did any business or got a loan from this company. This is fraud and I would like it removed from my file as soon as possible. I had spoke to there customer service team and they had said would remove any hard pull since I never authorized it.
Consumer complaint received 2019-01-30
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: Franklin Collection Service, Inc. (CA)

XXXX has been non-compliant with removing the unverified account FRANKLIN COLLECTION SVCS INC Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FRANKLIN COLLECTION SVCS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each  account is unverified.
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CT)

On XX/XX/XXXX I made a payment on my XXXX store card for {$35.00} but the company then took XXXX from my checking account instead. 

I have been making payments on this card for over a year and I am very familiar with the interface. This was a mistake on their end. 

I called and spoke to a supervisor XXXX ( ID : XXXX ) who informed me that they can not send a refund check until XX/XX/XXXX! Meanwhile my checking account is overdrawn and bills will not be paid.
Consumer complaint received 2018-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (PA)

The following were disputed and PNC won't reverse this also caused four fees of XXXX dollars for nsf which should have never happened. XXXX was withdrawn which I disputed they provisional credited XXXX they owe me XXXX plus XXXX in fees as follows On XX/XX/XXXX XXXX and XXXX on XX/XX/XXXX XXXX   XXXX and XXXX XX/XX/XXXX XXXX and XXXX   XX/XX/XXXX XXXX XXXX XXXX, XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX.  I've disputed with the company some are duplicate charges some were cancelled some didn't download I've removed all PNC cards from this company so they can not longer access our account. I want the money returned immediately or I will pursue further. All contact must be in writing
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

XXXX XXXX XXXX XXXX XXXX ; located in XXXX XXXX, NC. XXXX XXXX XXXX Co Manager has filed a false judgement/lien against me and my good name at the XXXX County Clerk of Courts Office and filed a Writ of Execution from the XXXX County Sheriff 's Office ( Civil Division ) from the XXXX County Clerk of Courts Office on behalf of Co Manager XXXX XXXX XXXX of Springleaf Financial Services XXXX XXXX, NC for the amount of XXXX plus a Sheriff 's fee for the collection process, court costs and any interest due which is accruing daily. An Execution is a judgement entered against me which is recorded in the courthouse and is affecting my good credit, name, opportunities, as such time it exists. As a result any property which I own that has not been designated exempt by the courts is subject to and is sold in order to satisfy this FALSE JUDGEMENT ENTERED AGAINST ME by XXXX XXXX XXXX of Springleaf Financial Services signed by Sergeant XXXX XXXX dated XX/XX/XXXX. Springleaf isn't in business anymore due to a Federal Court Order to divest 127 Springleaf branches including North Carolina and 7 other states. Springleaf has already been cited by Consumer Financial Protection Bureau in XX/XX/XXXX by violating Federal Laws their practices hurt consumers while compensating the employees of Springleaf .. Ratios stated credit little value to the customers even while selling the credit insurance used deceptive practices and EVENTHOUGH I I canceled my XXXX Insurance XXXX XXXX XXXX in the principal balance deliberately failed to correctly deduct my portion of monies owed to Springleaf Financial Services and refused to correct my balance owed to Springleaf when bringing this to her attention on XX/XX/XXXX with the Office Manager agreeing with XXXX XXXX XXXX. I was still ordered to pay the Incorrect Principal added to my Balance then and was threatened to report that balance to credit bureau hurting my credit scores. I was called and harassed by office personnel after hours and before I paid my loan with letters too violating the collection laws of NC. The company is XXXX XXXX XXXX XXXX has reported this balance of XXXX which I deny owing then or now. XXXX XXXX XXXX and Management of Springleaf held monies owed to me and added fees to this false debt/claim and reporting the errors to The XXXX County Clerk of Courts Office as a judgement/lien and The XXXX County Sheriff 's office civil division to hurt my credit and violating my FTC Laws and Credit Reporting Act because this isn't true but false I owe Springleaf nothing.
Consumer complaint received 2019-01-30
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: The CMI Group, Inc. (FL)

XXXX  has been non-compliant with removing the unverified account CREDIT MANAGEMENT Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CREDIT MANAGEMENT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-01-18
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: Chime Financial Inc (GA)

I paid for my rental car with cashiers check. I had XXXX transactions pending and/or on hold from XXXX XXXX XXXX, once I paid with the cashiers check the pending card transactions were reversed/released at the same time by XXXX. The XXXX transactions are {$350.00} and {$1400.00}. The day after XXXX  released Chime XXXX XXXX XXXX reversed only XXXX transaction of {$350.00} and kept the {$1400.00} as pending even though the release was done at the same time. I called chime and they did a XXXX way call with XXXX  that told them the funds were reversed XX/XX/2023 at XXXX with reversal authorization code of XXXX XXXX. Chime keeps saying they have to try to put my money back and still 6 days later have not done so. I have supporting documents showing Chime should have released my funds days ago.
Consumer complaint received 2018-07-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (TX)

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service.

Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.