davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (VA)

On XX/XX/2012, I was seen by the XXXX XXXX XXXX XXXX. At that time I had XXXX XXXX XXXX, which was billed for the visit. I thought this debt had been paid but found out on the credit report that it is now past due. <P/>My Explanations of benefits from XXXX states that I owe XXXX XXXX XXXX XXXX XXXX after benefits are applied to the bill. They instead state that I owe them XXXX, which is the full amount of the bill. I disputed the amount of the debt with the debt collection agency, sent them a copy of the EOB from XXXX, and received a sheet of paper just simply stating that I owe XXXX. Even though on their online billing website it shows the credit for XXXX from XXXX. Further, the bill online states that nothing at this time is due. See attachements below.
Consumer complaint received 2017-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (CO)

On   XXXX   XXXX   2017 I was notified by the Mortgage Company that Stellar Recovery just popped up on my Credit Report for   XXXX   XXXX  . I stated I was confused as I am a current customer. So contacted original Creditor   XXXX   XXXX   and took them a couple hours to find the account as it was over 2 years old. They found it and stated it was a final bill and told me the amount. I informed that I would pay right now and they took payment successfully. Received confirmation   XXXX   of   XXXX   2017 that it was paid from   XXXX   XXXX    Thank You for Your Payment Receipt. Contacted Stella of which Stella informed to send over the document. I did and I do not know whether they received it or not to this day. I contacted   XXXX   XXXX    to notify them that Stellar has not shown that I paid the bill. On   XXXX   XXXX   XXXX   I walked into   XXXX   XXXX   office and they printed off a Statement Balance Sheet of which I again sent email  XXXX  and they still did not get it. I once again reached out to   XXXX   XXXX   and they again confirmed the Account is paid and again stated they sent it to Stellar Recovery. Contacted Stellar Recovery   XXXX   XXXX   XXXX   2017 and they still had not received anything more over they refused to do anything about it. Very VERY Rude. So once again back to   XXXX   XXXX   of which was stated to me that they were sending a Cease and Assist Letter stating the Account is   XXXX   Balance and to remove me off their system by   XXXX     XXXX   XXXX   XXXX   2017. Contacted Stellar Recovery around  XXXX  and they stated they do n't have anything and they are not sending any letter even after a conference call   XXXX   XXXX  , myself, Stellar including the Store Manager for   XXXX   XXXX   as I was in their office again on speaker phone stating to Stellar Recovery that the Acct. was paid. And they are still refusing all forms of confirmation of payment.
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

My account was locked because of  XXXX  purchases -  XXXX  for {$100.00} and  XXXX  for {$30.00}. I noticed my account was locked when I could n't log into my account. Then, it turned into a   XXXX   XXXX   XXXX   show becasue I was n't calling from my home phone. After  1 h our, I closed my account - they immediately locked me out of my data. I asked to receive my data and they said they can mail or fax it. This seem to be willfully uncoopertive to someone who 5 years of about a  XXXX  rolling balance.
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Paypal Holdings, Inc (NY)

Hello, on XX/XX/2015 I contacted XXXX to talk to the professional about fitness equipment. I was on the phone with the Company rep for 45 min going over my needs. I was approved instantly from PayPal credit. I ordered all : delivery, assembly, ect. I received the wrong product. Contacted XXXX as they credited my PayPal acct. on XXXX/XXXX/15 just for the equipment. I started contacting PayPal explaining that XXXX can not charge me {$240.00} for assembly, for the product that I do n't have. PayPal is stating, that XXXX is charging me restocking fee. I have faxed PayPal dispute form with proofs of email correspondence with XXXX. I have explain PayPal that my emails states charge for assembly of elliptical and PayPal have this charge as restocking fee. This completely contradicts this charge. PayPal answer is '' There is nothing we can do '' You are responsible for the restocking fee. I spoke to a few supervisors XXXX XXXX, XXXX XXXX ( no last name allowed to be given ) explaining that, they are my credit card company and they should protect me. Every phone call i make to PayPal they are telling me to call XXXX. I have faxed to PayPal XXXX return policy, assembly policy. It does not specify anywhere about assembly charge to be paid by consumer if the product is returned. I have stated to PayPal that I can not be responsible for assembly of the product that I do n't have. I have asked PayPal to provide me with the email of their CEO XXXX XXXX. I could n't get it due to confidentiality. I have never had this kind of arrogance from the Company that should protect me as their customer. I have send them all proofs and they keep telling me different stories. For the last 2 weeks PayPal had {$240.00} restocking fee. I have called XXXX today XXXX/XXXX/15 asking how much do they charge for restocking which is XXXX. I called back PayPal explaining them that. Supervisor XXXX now states that I 'm being charged {$240.00} for restocking fee and may be assembly fee. Now it is different story from PayPal after I called XXXX. I have never had any problems with any other Bank or Credit Card Co. Having perfect credit score, I will not except this kind of unprofessional behavior from PayPal . I spend days and hours trying to resolve this issue with XXXX. But the worst part of all, I as a customer of PAYPAL can not be protected. Above all, PayPal is charging me late fee while Im in the dispute with XXXX.
Consumer complaint received 2017-04-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Experian is reporting an account with "  XXXX   XXXX   XXXX  '' on my credit that does not belong to me.     Currently, the unpaid debt that is reporting totals up to {$10000.00} and the account number is "  XXXX . '' My report suggests it was opened sometime in  XXXX   XXXX .     The only account I have ever owned from  XXXX  was back from  XXXX  and it has already been paid off for years. The account number for that account was "  XXXX  ''.     I have called  XXXX  numerous times, at  XXXX  point even speaking to a supervisor and they continuously tell me that they are not reporting a charged off account to my credit. The only account in their database is the one I already paid off in  XXXX . They told me that the error in reporting is with Experian and they have to be the ones to fix this.     I am getting  XXXX  response from Experian but something completely different from  XXXX  themselves, which are the actual company Experian is claiming to get their information from. How can this be possible?     I feel stuck and do n't know how else to address this issue.     I am taking my complaint to the Consumer Financial Protection Bureau because Experian 's blatant disregard of the law in reporting someone else 's account on my credit is illegal and unacceptable.
Consumer complaint received 2017-06-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Dear : XXXX XXXX Address : XXXX City : XXXX State : TX, Zip Code : XXXX Social Security Number : XXXX This letter is to notify you that we will precede your matter for Garnishment on your wages. This means that someone you owe money would be awarded a judgment from the court for payment of the debt. The court can order your employer to deduct 25-30 % percent of your disposable earnings and make payment to the court on your behalf to recover your debt. <P/><P/>Why am I receiving this notice? <P/><P/>The United States, or a State Debt support enforcement agency, certifying its right to garnish your Federal benefits shall attach or include with a garnishment order the following Notice ; Garnish wages owed to a Debtor after Small Claims Court would make an order that you owe money. On XX/XX/XXXX, we  received a garnishment order from a court to [ freeze/remove ] funds in your account. The amount of the garnishment order was for {$1400.00}. We are sending you this notice to let you know what we have done in response to the garnishment order. You can contact your creditor for the settlement amount. <P/>What is garnishment? <P/>Garnishment is a legal process that allows a creditor to remove funds from your [ bank ] / [ credit union ] account to satisfy a debt that you have not paid. In other words, if you owe money to a person or company, they can obtain a court order directing your bank to take money out of your account to pay off your debt. If this happens, you can not use that money in your account. <P/><P/><P/>The following applies to you : Before you are arrested : - If you pay in full, or make a part-payment before you are arrested, the warrant will be recalled and amended. However, it will be immediately re-issued if the debt is not paid in full. <P/>When you know a warrant has been issued, you should E-mail us on to discuss your options. <P/>After you are arrested : - Once the warrant has been served, your only options are to serve the time in prison or pay the debt ( plus costs ) in full at the Court house. <P/><P/>IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY REPLY US THROUGH EMAIL BETWEEN WORKING HOURS AND RESOLVE THE MATTER. <P/><P/>Sincerely, Sr. Investigation Officer DEBT COLLECTION DEPARTMENT Working Hours : XXXX XXXX to XXXX XXXX CST ( Mon-Fri ) XXXX XXXX to XXXX XXXX CST ( Sat ) XXXX UNITED STATES OF FEDERAL MANAGEMENT Copyright XXXX XXXX | Privacy | Terms of use XXXX.ONLINE
Consumer complaint received 2024-09-02
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. (OR)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least XXXX sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2016-01-19
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (CA)

" XXXX '' at Transworld Systems Collection Agency called from phone number XXXX. She has been calling on the weekends. The number she just called ( XXXX ) XXXX, is my work number. I answered and told her that this is my work number. She said " Well, I 've been calling your cellphone and no answer so I 'm calling this number. Can you verify the last XXXX of your social? ". I told her again that this is my work number and I ca n't talk about my debt in the office and asked her to call my cellphone as we spoke. She said " I ca n't call it - you can call me at ( XXXX ) XXXX and ask for XXXX ''. I called her and she had a very nasty attitude and said my last payment bounced for non-sufficient funds. I told her I do n't have the money so I do n't know what else to do. She said I can either pay " voluntarily or involuntarily '' and they have verified my employment so she will garnish my wages since I ca n't pay my bill. Please note that I have never provided my work phone number nor, did I provide my employer information. The debt they are trying to collect is my son 's emergency room bill from last year BEFORE I started to work for this employer. I believe she might have searched for my information online and used what she had found ( possibly XXXX ) to contact me. I am afraid that she will continue calling my employer even though I never provided this contact information to them and they have researched alternatives to contact me.
Consumer complaint received 2017-06-03
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: EVERBANK, NATIONAL ASSOCIATION (FL)

I applied for a credit card with Everbank. I got a email reply from the banker.
" I did hear back regarding the credit card and was told it was declined at this time. There is limited info that is shard with me, but he did say it wasnt the credit score and had more to do with public records. Most of the time that has to do with either collections or a charge off. Some items like that, even when paid off, will continue to show until you ask the company to remove it. They will send a letter that will explain the exact reason. '' I researched my public records and found nothing. I feel like I am being discriminated against.
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (NY)

I purchased {$100.00} Mastercard prepaid card on  XXXX  from  XXXX   XXXX  that I had a problem using and had an error checking the balance online. This card is issued by US Bank. I called the number on the back of the card on  XXXX  and explained the problem and they said it is due to a failed activation. They requested I fax in the information and images that are attached to this complaint as a PDF.     I faxed in everything and waited a few days. I had to call in to find out the status even though I requested them to contact me once the issue had been resolved. It turns out the card image was blurry and they wanted me to fax in again  ( a nd recommended I use   XXXX   ). So I tried again twice on  XXXX , once by fax and once by sending a copy of the whole package via pdf and the website faxzero.com. I again waited a few days and heard nothing. I called back on  XXXX  and they said the faxes were too light and wanted me to try again. I said that was unacceptable and asked what if I kept trying and they kept getting an unreadable copy. They had no answer ... .basically just keep trying. I said I 'm not going to waste any more time doing this when the result is n't even guaranteed. I offered to email them a copy and they said they ca n't accept emails and there 's no other way to get ahold of that department other than fax. I asked what if I emailed the representative and she could forward it to that department and she said she will not do that. I said I ca n't be the only person to have run into this problem and she said " I can not confirm nor deny that ''?! I asked to speak to supervisor ... she said all of the same thing. I asked for her  manager .. . she said was n't available but took my number and will have them contact me in a day  or two. It 's been one week n ow and I have not heard back from anyone. Basically they understand the problem, but do n't care and unwilling to provide an alternate solution.  XXXX  Bank has my {$100.00} prepaid card and will not activate my card nor refund me the amount.     They also mentioned on the second call that my  XXXX   XXXX  receipt was not valid and they could n't help without the last four of some number on the receipt or the numbers below the barcode on the back of the gift card. They asked about an activation receipt, which I have never gotten with any of my prepaid card purchases. The sales receipt only shows the UPC number and nothing else that seems to link to the gift card. I offered to provide the numbers located under the barcode and she said she ca n't accept them verbally.     Note that although it is very difficult to scan a good copy of an opaque plastic card on a copy machine, the image in the PDF file is clearly readable.
Consumer complaint received 2017-03-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

I have inaccurate information on XXXX of my credit reports. I have credit card accounts back from XX/XX/2000 that were paid, never late, and have been closed over 7 years. I 've called the companies and they ca n't locate any record of the account because it has been so long. I am told to take it up with the credit report agencies. When I call them, I repeat myself over and over again for them to take my dispute.
Consumer complaint received 2017-06-03
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: EQUIFAX, INC. (GA)

I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in  XXXX  are the ones I did not authorized.
Consumer complaint received 2017-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NE)

I have requested on three separate occasions that XXXX XXXX XXXX validate the debt they seek to collect. I have requested validation because I believe they are trying to collect an invalid amount and are not reporting my payment history properly. XXXX has failed to respond to my requests to validate the alleged debt owed. I have received numerous communications that request payment of varying amounts. Even after logging complaints with the Consumer Financial Protection Bureau, XXXX has failed to validate the alleged debt. <P/>Most recently I received a letter demanding an amount of 3 times the amount being reported on my credit report. While I do not believe this amount is accurate either, I am trying to show the inconsistencies leading to my demand of validation in order for XXXX to continue reporting this tradeline on my credit report. Pursuant of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act you have an obligation to ensure data being furnished has been verified AND VALIDATED. This complaint is to notify Equifax that XXXX has failed to provide proper validation of the alleged debt and therefore does not have the legal grounds to continue any debt collection efforts including credit reporting.
Consumer complaint received 2017-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (ME)

Letters have been sent to EverBanks attorney 's XXXX XXXX XXXX of XXXX XXXX, Maine. First letter was mailed onXX/XX/XXXX. Then on XX/XX/XXXX a follow up letter was faxed. No response from them. OnXX/XX/XXXX a letter was mailed to  EverBank ( Attn Client Services ) informing them that their attorney 's had failed to get back to XXXX XXXX. OnXX/XX/XXXX XXXX XXXX spoke to a client rep. from EverBank who denied that the Bank was aware that these letters existed. XXXX XXXX on XX/XX/XXXX faxed all five pages to EverBank. A confirmation letter came in the mailXX/XX/XXXX dated XX/XX/XXXX confirming that they had received the XX/XX/XXXX letter, proving that they had lied to XXXX XXXX. In the XX/XX/XXXX letter XXXX XXXX gave EverBank a deadline of XX/XX/XXXX to respond to his letters. EverBank has not responded back in the thirty day period which it was given which puts it in violation of Federal law. They do n't even get his name correct when they do.
Consumer complaint received 2017-03-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (PA)

Our mortgage statement indicates that there is no late payment until the XXXX of the month. XXXX, even though I make the payment before the XXXX we receive statements that are issued prior to the XXXX and indicate a past due payment. This adds to the overall cost of the mortgage. I called company about this and I was told that there are no additional costs to the mortgage just because the new statement does not include the latest payment. For example, I paid XX/XX/XXXX payment on XX/XX/XXXX. I paid current payment and added payment principal payment of {$150.00}. Statement dated XX/XX/XXXX ( attached ) and received on XX/XX/XXXX shows a past due balance. 
Seterus consistently issues monthly statements prior to the XXXX of the month, causing the perception that the payment is late, thus allowing them to omit applying most recent payments and incurring a higher mortgage balance as a result. If there is no grace period and the payment is in fact late, why does the late fee begin after the XXXX. This policy has negated all of the extra principal payments we have made, although Seterus denies it, but simple math indicates otherwise.