davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical Business Bureau (FL)

I am formally lodging a complaint regarding inaccuracies in the reporting of an account associated with XXXX XXXX XXXX XXXX on my credit reports, managed by your organization, XXXX XXXX XXXX. These errors have negatively impacted my credit standing and require immediate attention for resolution. Upon reviewing my credit reports, I've noted discrepancies in the reporting of the XXXX XXXX XXXX XXXX account. These inaccuracies have adversely affected my creditworthiness, necessitating prompt corrective action. Therefore, I request a thorough investigation into the account. Additionally, I kindly ask for written documentation validating the reported account, including signed contracts or agreements related to services provided by XXXX XXXX XXXX XXXX, valid photo identification linked to the account holder, detailed service date records outlining the nature of services provided, and comprehensive documentation of payment dates and amounts made toward the account.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (TX)

On XX/XX/2023, I made a payment to XXXX who collects for Possible Financial in the amount of {$260.00}. It was a settlement payment. I received a paid in full letter but the account still show on my credit report as unpaid.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC. (VA)

My information was sold and bought illegally because I was a victim of XXXX XXXX breach I want these items delete it from my credit report effectively immediately I am attaching proof that XXXX has admitted that I was in fact a victim of data breach and XXXX has done nothing please help me delete these illegal accounts from my credit report. 
XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Exeter Finance Llc XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO Bank, N.A. (TN)

I have been a XXXX XXXX XXXX customer for decades. Since XXXX XXXX has come into control of the XXXX XXXX XXXX brand, I have experienced numerous difficulties not encountered with other credit card companies or banking institutions. I keep the account because I travel professionally, and certain features of this card are very helpful. I have yet another problem. On Tue XX/XX/XXXX I  made anonline payment ( an extra payment in addition to my normal monthly payment ) of {$1700.00}. I printed the confirmation from the XXXX 's website. Keeping in mind that XXXX XXXX is a XXXX corporation, there is no reason to believe that the US holiday of XXXX could interfere in any way with accreditation of payments. However, this payment did not clear my banking account until Fri XX/XX/XXXX, a delay of 3 days. Today, 1 week after payment was rendered, and 4 days after clearing my bank account, I have still not received credit for the payment on the XXXX 's website. I paid several bills that day, and all of them ( except XXXX 's ) were credited the very next day. Today, Tue XX/XX/XXXX, fully 1 week after the payment was rendered, I attempted to confirm the payment had been credited, and in doing so I printed out the appropriate XXXX 's webpage ( " New Transactions Since Last Statement '' ). That payment has still not been credited towards my account. Therefore, I am paying interest on the outstanding balance for that extra week. It is not the actual interest amount that is concerning. I am asking your help in determining whether this constitutes a breach of XXXX XXXX 's fiduciary responsibility and for help in contacting XXXX XXXX. You see, in addition to failure to post my payment, the corporation 's " Contact Us '' feature, which provides an online template for comments and queries does not work. It allows entry of all necessary information, but after clicking the " Submit '' button, a popular page appears, saying, " Error 500 : FormAttributes is null or empty ''. For the record, all template blanks were properly filled ; I made a record of this by printing screenshots of the attempts. As I have had so many similar and related problems with XXXX XXXX, I prefer all contact with the corporation to be in writing, and there seems to be no other way to send expedited communication to XXXX ( no customer service email address is provided ). In recapping, XXXX XXXX has withheld credit towards my XXXX XXXX XXXX credit card balance unduly, which is presumably accruing undue interest. Additionally, the institution seems to provide no means for written queries other than through paper means, which is completely unreasonable in this digital age.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

To whom it may concern, Re : XXXX XXXX XXXX, Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

They have failed to VALIDATE ANY DEBT
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LoanCare, LLC (CA)

I trust this letter finds you well. I am writing to bring to your attention a matter of urgency concerning inaccuracies on my credit report. Upon a recent review, I have discovered the presence of late payments on my account, and I kindly request your prompt assistance in correcting or removing this information from my credit report. 

XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative. 

I understand the critical importance of maintaining an accurate credit history, and it has come to my attention that the reported late payments do not accurately reflect my financial responsibility. I am confident that this discrepancy is a result of an error, and I am seeking your immediate intervention to rectify the situation. 

I kindly request that you conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. If there are any supporting documents or information required from my end to expedite this process, please do not hesitate to inform me. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which stipulates that credit reporting agencies must ensure the accuracy of the information they report. I trust that you will handle this matter with the utmost urgency and adhere to the guidelines set forth by the FCRA. 


Thank you for your cooperation and understanding.
Consumer complaint received 2024-03-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (TX)

PNC keeps sending mortgage bills for a property that we do not own and have never owned or been associated with in any way. 

Even after multiple phone calls they refuse to fix the situation. 

We sold our home in Kentucky in ( the mortgage was held by PNC ) and we relocated to XXXX and now at my new address I am receiving someone's mortgage bill who lives in Tennessee addressed to me.
Consumer complaint received 2018-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (OH)

This card is a Walmart Credit Card that is issued through Synchrony Financial. Over a month ago I noticed they were randomly applying payments to different promotional balance due dates. I called them up and requested them to re-apply my past payments from the later due promotional balances to the promo balance due first. Instead, they went back several months, took all my payments from non-promotional, interest accruing balances that had already been paid off, and re-applied them to promotional balances. This has resulted in interest being charged each statement period. I called and was told this would be correct immediately and that it was illegal ( a representative said so herself ) but I am still accruing interest for balances that were already paid off. I give them the benefit of the doubt to fix it and statements later it is still wrong so now I have to make a complaint. I need them to re-apply the payments and close out all of those interest accruing balances that they opened up by misapplying my payments in the first place. After going back several statement periods and fixing all payments they messed up and after ensuring they applied all said payments to interest accruing balances first, then they need to apply what payments are leftover to the promotional balances.
Consumer complaint received 2024-05-10
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (CO)

In XXXX I attended XXXX XXXX XXXX XXXX. The school was partnered with Sallie Mae/Navient . The school misled me to take out additional loans when I would have been fine without. They also were a scam school that said they were accredited and all the credits for classes would be valid. Due to these circumstances I was unable to complete my degree and find a job within that career field, even though they advertised that they had a great graduation rate and 90 % successful job placement program. 
In XXXX I applied for Borrowers Defense to Repay. After waiting and numerous trials with the DOE, they deemed XXXX XXXX XXXX XXXX a bad actor in XXXX. When they did that they removed my federal loans due to predatory lender practices. Sallie Mae/Navient were working alongside XXXX in ensuring the students utilized them for student loans and a part of all that was going on. Due to this, I would like to be added to the Navient pilot program for the School Misconduct application for borrowers that attended XXXX XXXX.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

On XX/XX/2024 a new bank account was opened USAA without my consent using my social security number. Called the company on XX/XX/2024 when notified via XXXX  that an account was opened using my social security number they have reported it to their fraud department. Waiting for information regarding the account being closed and for further activity.
Consumer complaint received 2016-07-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Precise Financial Group, LLC (CO)

While working with a mortgage company, I discovered a debt on my credit that was invalid. I disputed the debt via XXXX. After investigating, the original company that said I owed the debt responded that the debt was indeed invalid and XXXX deleted it from my credit report. A collection agency that bought the debt some time ago is still hounding me to pay even though I 've informed them that I 've disputed the debt and the original creditor agrees it is not a valid debt.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NORTHWEST BANCSHARES INC (NY)

I am a victim of fraud by someone who used a fake XXXX account to sell tickets to XXXX XXXX in XXXX. I used XXXX through my Northwest Bank account. I do understand I agreed to the transactions, but only before I found out I was being scammed. I sent {$1200.00} total and filed a police report with XXXX XXXX XXXX XXXX. I immediately contacted Northwest Bank and filed a dispute. Northwest has denied my dispute and I contacted XXXX directly they would not reimburse. This was a complete scam and the money was sent to someone who I thought I knew and turns out she was hacked and wasn't aware of this. The dates and amounts I sent via XXXX to a XXXX XXXX are as follows : XX/XX/2023 {$100.00} XX/XX/2023 {$100.00} XX/XX/2023 {$600.00} XX/XX/2023 {$100.00} XX/XX/2023 {$300.00} After the last transaction I didn't receive the tickets, which the person sent a screen shot of them. I reached out several times and called directly and she had no idea she was hacked and that someone was using her hacked profile to sell concert tickets. This has been an eye opening experience into the fraud that happens online. The police said there is not a likely chance they will be brought to justice. It very upsetting this has happened to me. Thank you for looking into this for me. It is greatly appreciated.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I made a deposit in XXXX it was placed on hold for 5 months I was then told the treasury dept said not to let me receive the money so my account closed I contacted treasury and they said check was valid and never discuss anything about not releasing my funds to me
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

On XX/XX/23 I received an email stating Capital One closed my account. I went to a nearby branch and they stated that they closed my account due to the fact that I filed a fraudulent claim. I did not file a fraudulent claim. I reached out to the merchant, XXXX for a couple of weeks without a response before deciding to file a claim of goods not received. 4 Days after I filed my claim the merchant sent a tracking number. I still have not received the goods. It is highly unfair that they would close all of my accounts for this reason when the reason is incorrent. I can provide the tracking that was sent to me AFTER i filed the dispute. Capital One has the worst customer service of any bank.
Consumer complaint received 2020-04-23
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: Experian Information Solutions Inc. (UT)

The website XXXX is not ensuring the privacy of consumers. Any person who knows a person well, such as an ex spouse, can easily access a credit report. The test questions are questions that anyone who knows a person can answer. Some of the questions can be easily guessed. According to my Experian account, someone accesses my report at least twice a month. It is no doubt my ex husband who has stalked me for years. I have read MANY online complaints about this. Please ask that XXXX to start requiring a password. Thanks.
Consumer complaint received 2024-01-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Waterfall Revenue Group (DE)

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. Account name : Waterfall Revenue 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. I requested debt validation from agency and received a partial copy of a statement or just a confirmation that it was validated through a third party. I have sent multiple letters. Im requesting that these accounts be removed.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Marlette Funding, LLC (AZ)

Approved for a Best Egg credit card 2 months ago and it never arrived, waited 3 weeks, nothing. Called their customer service to cancel the card and they assured me it was cancelled. They just reported it to XXXX as a new account! They obviously did not cancel the account.
Consumer complaint received 2024-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I engaged in a transaction via the PayPal platform with a user named XXXX XXXX on XX/XX/XXXX of last year. The details of the transaction are as follows : I sold a XXXX second-hand XXXX television to XXXX XXXX, a local buyer, and personally delivered the item to her address. She transferred {$80.00} to me through the PayPal platform, and the transaction was successfully completed. 

However, six months later ( XX/XX/XXXX ), the buyer claimed non-receipt of the item and initiated a refund request through PayPal. I promptly disputed this claim on PayPal, providing evidence of the item 's delivery as per the agreement.

Unfortunately, PayPal ruled in favor of the buyer, disregarding my evidence, and automatically deducted {$80.00} from my account, along with a {$15.00} dispute resolution fee. This ruling blatantly favored the buyer and failed to consider my rights as a seller.

I believe this constitutes improper conduct on the part of PayPal and a violation of consumer rights. I request that the CFPB investigate this matter and take appropriate action to protect consumer interests.

Thank you for your time and attention.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (FL)

XXXX : Transferred {$5000.00} via ACh from All in XXXX XXXX XXXX XXXX XXXX  to BMO Alto. 
XXXX : XXXX 'd {$5.00} via ACh from XXXX XXXX BMO Alto. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wired {$210000.00} to BMO Alto, who rejected the Wire, charged me {$31.00} Wire Reject Fee. BMO Alto insisted that XXXX assessed this Fee. XXXX stated that BMO Alto didn't know what they were talking about : BMO Alto removed {$31.00} before returning the remainder of Wire to XXXX. 
-- BMO Alto only later stated they don't accept Wires & apologized that their website doesn't mention this (! ). 
-- BMO Alto has 1/ No Chat communication 2/ No Mobile App 3/ No regular Customer Service via e-mail 4/ Long hold times for phone service. 
-- After BMO Alto fumbled my Wire Transfer, I decided against doing further business w/ BMO Alto and to close my Account instead, as BMO Alto had given many indications in a rapidly short amount of time that they had no idea what they were about. 
XXXX : Requested online ACh Transfer of {$5000.00} from BMO ALTO  XXXX Account to XXXX to consolidated my funds. I had waited until my funds were " available '' for Ach Transfers, as BMO Alto had advised. 
XXXX : BMO Alto froze my Account due to their claim of " fraud. '' BMO Alto LOCKED Access to my own Account. BMO Alto refused my request to close my Account and return my funds. BMO Alto is demanding XXXX Verification of XXXX XXXX XXXX Copy of my Photo ID ( driver 's license ) " or else '' they won't unfreeze my Account. BMO Alto claims that if I don't send these two documents, I must wait 30-days for the Account to be closed and have my funds restored to the rightful Owner, myself. 
-- Is the BMO Alto Rep. I talked to in their Fraud Dept. overseas? She claimed they're " in Florida. '' Impossible to verify their e-mail address for sending a photo ID, which opens me to identity theft risks. 
-- I discussed ACh Transfers earlier w/ BMO Alto. I was given no warning they'd freeze my Account. Only that I had to wait for the Funds to become available, which condition I had met.
Consumer complaint received 2024-05-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Healthcare Finance Direct LLC. (GA)

Started a treatment with XXXX who went bankrupt weeks after my treatment start and I was informed that I was still obligated to make payments even though I was getting XXXX of the services I originally paid for. In addition my XXXX  did not fit and I was informed to contact XXXX however they went bankrupt making me unable to contact them. And whenever I try to get information on what is to be done on balance for product and service I never properly received I am threatened with collections even though I was within the window or return and refund.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (NJ)

Since I could not understand the content of the letter, I wrote a returning letter to request further explanation to the company called, Elan. 


Customer Authentication ATTN : Bureau Inquiry XXXX XXXX XXXX XXXX, NJ XXXX Dear sir, Today, XX/XX/XXXX of XXXX, I received the letter regarding customer authentication. As I have only had your name in my credit report for soft inquiries, I am not sure whether I have received any credit card offering from the company called, Elan, in my life. From the beginning, I opted out my name to receive any credit card offers due to the result of identity theft. All credit card promotion has been opted out permanently from my entire life. Therefore, I do not expect to receive any offer from you. If you need my name and address, they are written above. And my telephone number is XXXX. I am not sure what do you mean an explanation of why [ I ] would like the inquiry removed. Would you explain what kind of inquiry I asked to remove? Previously, I sent some letter to your company due to the request of XXXX, because I do not recognize your company for soft inquiries, because, as I have mentioned above, I never received any credit offer from your company. Since I can not understand your question and inquiry, I will not sign the paper you have sent to me. And I request further explanation on your letter. I request explanation what unspecified means? And what is the result of the removal of consumer report? And why should I inquiry need to be removed from my consumer report? I am not sure my letter to your company, Elan, was meant for that. This letter and your letter, which was sent on XX/XX/XXXX of XXXX, will be reported to CFPB? 


Sincerely,