davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

Dear Sir, I hope this message finds you well I am an international XXXX graduate, had a clinical rotation at XXXX XXXX XXXX from the period of XXXX XXXX XXXX XXXX XXXX XXXX during which i was covered by XXXX XXXX ( which the XXXX XXXX XXXXXXXX asks us to purchase before starting our clinical rotations ) We also pay XXXX dollars for a month of the rotation ( its not for free ) One day my XXXX  was XXXX and XXXX ( XXXX XXXX ), so i went to the coordinator office, I HAD NO INTENT of going to the Emergency department, the coordinator asked me to go to ER and present them with a copy of my insurance and she mentioned that it would cover everything there. 

I went to the ER, presented my insurance copy, waited for my turn, ER doctor was unprofessional himself, he injected the XXXX so i could feel XXXX when he extracts the XXXX HOWEVER he came back late when XXXX faded away and it was very painful. I did n't file a complaint by that time. 

Since then, I have been receiving plenty of calls from debt collector and i have been spending ample of time trying to resolve the issue with them and XXXX XXXX XXXX  However they are refusing to communicate with Insurance company, been calling them over 10 times. One representative actually told me WE DONT DEAL WITH INSURANCE. 

I am attaching my insurance copy and also attaching a copy of the debt collection. 

I am writing to you so you could please resolve the issue, please put some points into consideration - i paid XXXX usd for 2 months of rotations at XXXX XXXX and XXXX  XXXX XXXX - I had a valid insurance when i presented to ER - i had no intent what so ever to go to the ER except after knowing that insurance will cover all the cost Thank you so much looking forward for your response Happy Holidays XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-30
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: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$69.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX XXXX : {$3000.00} DEPT OF ED/XXXX XXXX Balance : {$8300.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$7700.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$4200.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$2000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$1900.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance Owed : {$3900.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$18000.00}
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2023-12-20
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. ()

I have been informed that a hard credit inquiry was done by XXXX XXXX  on XX/XX/2023. I did not do this or did not apply for credit or anything. I am afraid of an identity theft issue or some kind of fraud.
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

In XXXX I was XXXX XXXX XXXX a XXXX XXXX XXXX XXXX starting my XXXXXXXX XXXX job at XXXX. Also, opened my first Checking and Saving account with Wells Fargo because it was right across the street from my job and school. I was only working XXXX hours a week, so I didn't have much money anyway but I was using my money for school events and XXXX XXXX, etc.I would keep my debit card locked to make sure to stop any unexpected charges, and I didn't have the money in the account to pay and didn't want any fees.I would literally stand at the checkout to purchase something and would get the total before unlocking my debit card and immediately lock it back. 
However, if charges like streaming companies like XXXX, XXXX and even my XXXX monthly subscription that were attached to my debit card would attempt to charge me would the card was still locked Wells Fargo would allow the charges to hit my account. Wells Fargo would post the larger charges to hit first taking my account farther in the negative and not pay whatever that originalcharge by returning it and then charging me a {$33.00} NSF for each charge.The NSF total charges would be, in most cases, higher than the amount for the original transactions all together. My account stayed in the negative before my check was direct deposited repeatedly week after week. And some merchants send the same transaction repeatedly to see if the money was in the account. XXXX would send the same charge 3 or 4 days in a row and I was charged a {$33.00} NSF each time. I called Wells Fargo Customer Service : asked why the charges are even hitting my account if my debit card is locked and they could see my debit card stayed locked.I was told Wells Fargo allow the transactions to go through as a courtesy for me to add money to cover the charges but that is the reason I locked the card in the first place. I knew I wouldn't have the money until my payday. My direct deposit was eaten up by all the NSF fees and there was nothing I could do about it, my money was gone before I could see it. 
I was with Wells Fargo for over 2 years and they charged me, at least, {$1500.00} in that NSF fees and when I closed my account to go to another bank, I received a check from Wells Fargo for {$100.00} stating they were refunding a couple of my NSF charges. I didn't know what to do ; I was young so I let it go and closed my account to go to another bank. I am now XXXX and I saw something to highlight companies questionable and unethical practices to file a complaint with CFPB. Also, finding out Wells Fargo has been doing the same thing to other customers and getting away with it. I don't know the statues of limitation on this to see if I can get my money back. Of course, I would love to get it it back but also be another person to voice their business practices.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

The CRAs did not get back to my request to send back ( within the allotted time ) how they verified the information on the credit report. On XX/XX/XXXX I sent in letters asking them to verify their methods or how they verified accounts and they never responded.
Consumer complaint received 2023-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I scheduled my payment of {$2400.00} to be electronically transfered from my checking account on XX/XX/XXXX and then on the same day Citibank also withdrew {$700.00} which was NEVER AUTHORIZED by me. 

Citibank sent a very confusing email trying to explain this second amount being deducted from my account. No one in my family could understand this email. I notified my bank XXXX XXXX XXXX XXXXXXXX XXXX about the issue on XX/XX/XXXX. Even XXXX XXXX XXXXXXXX could not figure out why Citibank did this and XXXX instantly filed a claim for the {$700.00} which was returned to my account on XX/XX/XXXX. 

Today I received another email from Citibank saying that XXXX XXXX XXXXXXXX would not release these funds and that I needed to notify my bank to release these funds and then pay the {$700.00}. I then called Citibank at the number on the email and I spoke with XXXX different departments. I finally spoke with a representative that said all was fine and not to worry about that email. 

I thought I was done but this afternoon I received another email from Citibank saying I still needed to pay the {$700.00}. 

We can not make sense of any of this. We would greatly appreciate your help. I am very stressed out about this issue because I have an exceptional credit rating and I don't want any problems. All emails are available for your review. Thank you.
Consumer complaint received 2024-04-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Specialized Loan Servicing Holdings LLC (CA)

On XX/XX/XXXX, a payoff of the HELOC in the XXXX was submitted to XXXX, Specialized Loan Servicing. I have a document from SLS that states this figures expires XX/XX/XXXX. 

On XX/XX/XXXX, I submitted a hand written letter to SLS to close the account and that all remaining funds should be refunded. I had to submit the letter because I received a billing statement. 

I received another statement and I called on XX/XX/XXXX and spoke with XXXX, XXXX XXXX who informed acct not yet closed. Upon request was transferred to Escalation dept and was sent a payment history as requested. 
XXXX I called as nothing has been corrected. 
XXXX received a confidential envelope stating urgent noticeSLA independent field inspector came by to inspect condition of property. I called SLS, spoke with XXXX, Escalations dept and XXXX, Supervisor was looking into it. 

XXXX I call again as I have not heard anything. I also call Lender who worked with us to pay off this loan and he sees that we have been sent to collections by SLS. No call back after this conversation. 

XXXXI call again and get XXXX, again. I point out to her that I sent letter in XXXX and she states that she sees it. 

XXXX this issue is still not resolved and XXXX nor any other manager of SLS has called me.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2023 I realized that there was a collection on my Transunion credit report from Defense Finance & Accounting Services ( Dfas-de/fydc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). I contacted DFAS to determine what this debt was for in XXXX and was told by a representative that there was an error and I actually overpaid DFAS and was owed a refund so they would remove the debt from my credit report and send me a check for the refund. I also disputed the account with Transunion in XX/XX/2023. 
XX/XX/2023 the negative account from DFAS was reported to the credit bureau once again and Transunion validated the account as accurate/remains from my XXXX dispute. I called DFAS and was told that they found another debt in their system so I wouldn't be receiving a refund, but the overpayment was enough to cover the new debt found and that they would request the current debt on my credit report be removed once again but it could take 30-45 days. 
XX/XX/2023 the negative account with DFAS was reported to Transunion once again. I called DFAS and was told that the request to remove the negative account from my credit report was for the new debt that they found in their system and not for the debt that was actually showing on my credit report. I was told that the request would be resubmitted and that it could take 30-45 days to be removed. 
XX/XX/2023 the negative account with DFAS was reported to Transunion yet again and this time I was told by the representative that the request to remove the debt had never been submitted and that she would submit it and send an email confirmation to my personal email address. She sent a generic email that doesn't detail to who she sent the request to remove the debt. I contacted Transunion by phone to file another dispute of the debt. 
XX/XX/2023 and the negative account with DFAS has been reported to Transunion once again. 

At this point I feel it's pointless to contact DFAS about the debt. Over the past 5 months the only thing that changed each month was the status of the debt or the amount owed. This is a debt that I never even had and they are refusing to remove it from my credit file. I am in the process of trying to buy a house and this has greatly hindered that process.
Consumer complaint received 2024-04-17
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NPAS, Inc. (GA)

I have been contacted since XXXX for a debt from XXXX XXXX XXXX incurred at the end of 2022. I have disputed the bill multiple times, and have sent XXXX letters requesting that they stop all collection calls and written notices to me regarding this debt, and to refer any further actions to my attorney. Since I have sent the letters requesting they stop contacting me, I have received XXXX letters and XXXX phone calls about the debt. They have not addressed my dispute reasons, and refuse to stop contacting me, as required by federal collection guidelines.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BMO Bank, N.A. (AL)

I went to get a car from XXXX and ran my credit a total of XXXX times, I have them {$2000.00} in cash as a down payment. XXXX days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I used Capital One travel services to book a flight on XXXX XXXX. The company advertises that you receive travel benefits including price match guarantee and travel rewards. I paid {$2100.00} on XX/XX/XXXX for 2 round trip tickets on XXXX XXXX. The class of service on the ticket was fully refundable and changeable with no penalties per the airline terms. On XX/XX/XXXX I changed the dates for the flights due to schedule conflict with my daughter 's graduation. Capital One charged me an additional {$210.00}. I waited a week for a credit to post to my account because the new ticketed price per the XXXX XXXX documentation was now {$1500.00}. I called Capital One and they said that their price match guarantee was good for 1 week after the original purchase date of XX/XX/XXXX. So although the fair was now lower, I was not entitled to a refund from the credit card company. I explained that the fare class made it a fully refundable ticket and Capital One indicated that this was the airlines terms and not the terms of the credit card. 

I did not want to challenge the issue or cancel my credit card until after my flight in case there were issues. I am cancelling my card, but I believe that they owe me a refund for the price difference. Their advertising and website is misleading and I believe that this constitutes fraudulent practices on the part of Capital One.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have reached out to the credit agencies regarding some hard inquiries on my credit report that I do not recognize. I am requesting for each inquiry below to be deleted. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you reverify each of these items, and that the inaccurate items be removed from my record. 

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 2023-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

My husband and I sent a check to Mohela to pay off my student loan in full ( approximately {$140000.00} ). The envelope contained the proper letter with my loan information and the check with my account number and name included on the memo. They deposited the check on XX/XX/XXXX. It cleared our account and was not returned. The deposit was never applied to my account. My account balance was not adjusted but my payments went to XXXX and my past due went to XXXX. We assumed they were processing the payment as they said things were taking a long time. They have now resumed asking me to make payments and can not locate the check we sent even though we have provided them with the endorsed check and our bank account statement indicating it has not been returned to us. I have been placed on hold for hours when I asked to speak with a supervisor. They do not return phone calls when the phone call is dropped even though they say they will. This is unacceptable.
Consumer complaint received 2023-05-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (MO)

15 U.S. Code 1605 - Determination of finance charge States that I should not be paying a down payment for a car loan. In my case during Covid Exeter Finance had us trade in our car for {$500.00} and also had us put {$500.00} in cash down. We also couldnt get the vehicle off the lot without car insurance.