davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc. (TX)

On XX/XX/2021 I notified Professional Finance Company INC. to Validate a debt they were trying to collect. I ask for the following information and actions : What the money you say I owe is for? 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable ; and identify the original creditor. 
Prove the statute of Limitation has not expired on this account. 
Show me that you are licensed to collect in my state ; and provide me with your license number and registered agent. 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Then the company sent a screenshot of charges from XXXX XXXX XXXX and letter that stated the debt was validated and I had no legal right to request such information from their company. After doing my own extensive research turns out that my insurance company paid the charges the company stated I owed. I did send payment for the reminder of the amount I should have been charged but was not. I have proof I do not owe the amount they said I do ant they have been report on my credit invalidated information to all of the three major Credit Bureaus. 

This is a medical debt and should be a HIPPA Violation. The original debtor XXXX XXXX XXXX just sent me to the collection agency not giving me the ability to request an updated of the error.
Consumer complaint received 2021-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Today marks 31 days that i filed a dispute and i haven '' t received any information and their not complying with their own policies in a timely matter which is 30 days.
Consumer complaint received 2022-09-15
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: Experian Information Solutions Inc. (NJ)

N accordance with fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A, Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (AR)

On Thursday XX/XX/XXXX at XXXX PM CT, I was contacted by a number ( XXXX ) that promptly went to voicemail, wherein a XXXX XXXX was attempting to contact me about a " pending legal matter scheduled to be filed against [ me ]. '' XXXX XXXX than proceeded to call and leave voicemail messages with several friends and family members, threatening that if I did not call back in a timely manner, actions may be filed against me and that by calling, I could " prevent this from taking place. '' I was given a number to call ( XXXX ) and a reference number. On Friday XX/XX/XXXX at XXXXXXXX XXXX XXXX, I was contacted by a similar number ( XXXX ) with the same message verbatim. Once again, XXXX XXXX contacted me and my friends and family, leaving a threatening voicemail with the same threats and instructions. I did not hear anything on Saturday XX/XX/XXXX and Sunday XX/XX/XXXX. I assumed this was a scammer. On Monday XX/XX/XXXX at XXXXXXXX XXXX XXXX, I received a threatening text message from XXXX, made to appear to be an automated message threatening to file a complaint against me in my county court. This text message told me to contact XXXX with my reference number of the filing would be done without my participation. Once again, my friends and family were contacted with the same text message. On Monday XX/XX/XXXX at roughly XXXXXXXX XXXX XXXX, I contacted the XXXX number and was greeted by a receptionist at " XXXX XXXX XXXX XXXX XXXX. '' I provided my case number, and after a hold, was told that this was a civil complaint to be levied against me. Title 15 was referenced. This civil complaint was in regards to an alleged debt accrued in XXXX and owed to CitiBank. This alleged debt was turned over to a collections agency. Frankly, there is no such alleged debt as I've never had a CitiBank credit card and I believe that XXXX XXXX XXXX is attempting to threaten and harass me and my family to collect an alleged XXXX XXXX XXXX debt. I believe that XXXX XXXX XXXX are acting in bad faith and are likely being used as a front to attempt to threat and scam people. I requested the address for XXXX XXXX XXXX to file a cease & desist against them and to file a complaint with the FTC.
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: REGIONS FINANCIAL CORPORATION (TX)

On XX/XX/2021, I received an email from XXXX XXXX of XXXX advising me that I was approved for the XXXX XXXX for my business, XXXX XXXX XXXX XXXX XXXX. The terms included submitting a one-time refundable deposit to get access to 3 times my deposit amount. I submitted the {$500.00} deposit to receive access to the credit line. On XX/XX/XXXX, I followed up with XXXX regarding the approval and to figure out why my credit limit only reflected {$500.00}. He then told me that he accidentally sent me the wrong email and that I actually did not qualify for the account that I paid the {$500.00} for. Instead, I only qualified for a regular secured card. After he explained his mistake, I chose to cancel the card and account. I was told that the refund of my {$500.00} deposit would take up to 6 weeks to receive. 

On XX/XX/XXXX, I spoke with XXXX XXXX, XXXX XXXX ( Employee ID : XXXX ) to check the refund status. I was told by XXXX that I would not be able to receive my refund for the BP Solutions card because I was not an authorized person on the account that I canceled months ago. Ludicrous! Not sure how that works since I submitted MY personal information to acquire the account in the first place. I am the sole owner of the business. 

Additionally, I applied for the Universal Premium Fleetcard, not realizing the issuer of this card is the same company- XXXX. The same situation occurred. I submitted a {$500.00} deposit through my bank on or around XX/XX/XXXX, and have not received the card. It is now XX/XX/XXXX. 

I spoke with XXXX XXXX of XXXX on XX/XX/XXXX and he advised me the Universal Fleetcard had already shipped, and to wait for it to arrive in the mail. He said it would take upwards of 60 days to cancel the account and receive a refund for my deposit if I decided to cancel before the card arrived. I opted to just wait for the card. He then followed up with me on XX/XX/XXXX via email about my XXXX XXXX account to tell me that my refund is being processed and the approximate new time frame is 4 weeks. 

At this point, I need both of my deposits back ASAP. I no longer want to do any business with XXXX. 

I have spoken with multiple employees from this company and no one can give me a detailed explanation about where my deposits are. I never received account numbers or confirmation numbers regarding these transactions either. All I have are emails. My next steps will be to seek legal counsel if this does not get resolved by a competent representative of this company. This should have NEVER occurred. You can not hold onto customers ' money and not provide services. 

I HAVE CALLED THIS FRAUDULENT COMPANY MULTIPLE TIMES TO RECTIFY THIS ISSUE. I NEED BOTH OF MY DEPOSITS RETURNED TO ME ASAP. This company ( or lack thereof ) has fraudulently misrepresented itself and has lost all credibility from me.
Consumer complaint received 2019-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

In response to a prior complaint re a bait and switch scheme advertised by Capital One, the company promised to reimburse {$100.00}. I received a letter asking for return of a completed XXXX form, but without any instructions as to where or how to return the completed form ( no mailing address, fax number, email, etc. in the letter ). I immediately returned the completed form to the mailing address from which the letter was originally sent. The completed form was mailed out on XX/XX/2018. Over six weeks has passed and I have still not received the promised  reimbursement nor any further communications from Capital One ( despite including this same information in my feedback to its response to my original complaint over two weeks ago ).
Consumer complaint received 2021-09-27
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: EQUIFAX, INC. (NY)

i XXXX XXXX i was a Victim of Identity Theft i am having a problem with Equifax With a Fraudulent Account from Collection i Never Open any Account with XXXX XXXX XXXX with a Balance {$200.00} XXXX contacted Equifax and Made A Dispute for this Account and Equifax Denied the Dispute and the Information was not remove from my Credit Report and i Contacted Equifax Today XX/XX/2021 and Open a new Dispute this account does not belong to me and is Fraudulent and i never lived at XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX also this address is Fraudulent Showing on My Equifax Report and also this Account Was Disputed with XXXX and it was Already Remove so i dont understand why Equifax Denied the Dispute investigation for this Fraud Account From This Collection Agency Coming From XXXX  i Never had any Account Open with this Company neither.
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (UT)

This complaint is regarding Comenity Bank - Victoria Secret Credit Card. In XXXX, 2021 I paid off the entire outstanding balance on my Victoria Secret Credit Card ( Comenity Bank ) of {$56.00}. Following, I did not receive a statement, and did not log into my account as it was paid off. Later, in XXXX, 2021, I received a Victoria Secret statement with a balance owing of {$62.00}. After researching my statements it appears in XXXX, 2021 the bank charged a {$2.00} fee on a {$0.00} balance account. Representatives from a Comenity call center ( offshore, XXXX ) could not explain why I received the fee. The {$2.00} fee accrued additional fees, including late fees, and now I am advised I owe a balance of {$62.00}, due to a {$2.00} fee that was charged in XXXX, 2021. It appears fees have been capitalizing over the past several months. I was advised I must pay the fees, later I was told the fees may be waived as a one time courtesy. 
I would like the fees to be waived, but more importantly, I would like the bank to discontinue the practice of charging fees on a {$0.00} balance account with additional fees on top of fees as well as late charges accruing and charged to an account that has been paid off and has a {$0.00} balance.
Consumer complaint received 2019-12-02
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XX/XX/XXXX my and my husband 's credit reports were pulled to determine our qualification for an auto loan. A few different creditor agencies took a look at our credit report and we were qualified for the auto loan through Capital One and then today I see our credit reports were pulled once again ( XX/XX/XXXX ) for an auto loan. We didn't re-apply, so we need this disputed or fully explained as to why our credit was pulled ( HARD HIT ) again after 30 full days.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to report the payment status positive and update all late from reporting on the following accounts : XXXX XXXX  XXXXBalance {$260.00} XXXXBalance {$0.00}
Consumer complaint received 2021-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

Medical Data System and XXXX XXXX XXXX are violating my rights and the law by reporting a medical bill under my social security credit device without the proper authorization to do so. I requested a copy of my HIPPA release form authorizing Medical data system access to my medical file by gotten no reply in that regards yet, they continue to reporting account # XXXX under my social security credit device ending in XXXX. 
Furthermore, this account is not mine because I have never been to the XXXX XXXX XXXX. I have called them and furnished my personal information and they had no records of me visiting or utilizing services from the facility.
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

We had credit checked in order to refinance a home mortgage ( week of XX/XX/XXXX ). A collections debt we knew nothing about showed up on TransUnion credit report - from XXXX XXXX XXXX XXXX, showing original creditor as XXXX. On XX/XX/XXXX, I spoke to XXXX, who confirmed they have no record of an account in my name, nor any past amount due. They started a fraud investigation. 
I disputed the account with Transunion on same day, but they have come back saying the report is accurate!! I also tried to contact XXXX XXXX XXXX on same day ( XX/XX/20 ), but they wanted me to give them my social security number and other sensitive data just to look up the supposed debt, so there was no way I was going to talk to them.
Consumer complaint received 2021-09-27
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: Porania, LLC (NJ)

These accounts don't belong to me. Please remove them from XXXX and XXXX. Please see below the list of accounts that are reporting derogatory on two credit reporting agencies. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-09-27
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: Continental Finance Company, LLC (CA)

Hello, My XXXX account was account was compromised ( XX/XX/2021 ) and an item was ordered fraudulent. I first called the merchant ( XX/XX/2021 ) and since the item was already shipped they advised that I file a dispute with my CC. When I called my CC ( XX/XX/2021 ), they did not want a police report nor had me sign any forms. They issued temporary credit, for {$770.00} after I filed the dispute. Now on XX/XX/2021, I received a letter dated XX/XX/2021 in which my CC company said the purchase was valid. And if I wanted to to speak to them to call them. The number they provide for the fraud department does not work. All calls go to voicemail and no one returns my call. I have called over 40 times and no one picks up in the fraud department nor do they return my calls.
Consumer complaint received 2021-09-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NJ)

Yesterday XX/XX/2021, I logged in to my Fedloan account to update some information since in XXXX I will restart paying for my student loan since it was paused due to COVID and I was also looking for information regarding if I qualified for the student forgiveness loan, well today at XXXX I received a call from a suppose XXXX XXXX number XXXX that I prequalified for a forgiveness loan and to call her back at XXXX as I couldnt picked up the call since I was at lunch and of course wasnt thinking to look for the number in the website it self, since it was a coincidence that I was just looking for the information the day before I called back that number, I spoke to a guy name XXXX XXXX who was able to log in to my federal student aid got the information of the amount that I owe along with my social security number. I stopped the call immediately he asked for my debit card information or my banking account and routing number. He then called me back at XXXX from a XXXX number asking me if I wanted to continue the application. I started yo ask him questions about his company and his government ID who he couldnt respond to and hang up on me. 

In the meantime of all of this I also received a message from a XXXX at XXXX saying they were from the XXXX XXXX for the student loan and that my application was put on paused due to a missed monthly obligation and that my program may be subject to cancellation to call their customer service number at XXXX.
Consumer complaint received 2021-09-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

Confirmation : XXXX XX/XX/2021 fraudulent inquiries were disputed and deleted. 

Confirmation : XXXX XX/XX/2021 the same fraudulent inquiries were disputed and deleted. 

Confirmation : XXXX XX/XX/2021 the same fraudulent inquiries were disputed and deleted. 

Confirmation : XXXX XX/XX/2021 the same fraudulent inquiries were disputed and deleted. 

I informed the creditors via a letter sent by mail. I also informed the credit bureau Equifax via fax which included my ID, SSN Card and FTC Report. The bureau claim to of deleted the inquiries but XXXX XXXX and XXXX continues to report on my credit report and has never been deleted. I have kept a close supervision of my report daily and am subscribed to Equifax daily updating on my credit report services. This is a violation of the FCRA laws and if this is not resolved immediately I will be filing a claim in small claims court.
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (NY)

XX/XX/2021 received an erroneous letter from Wells Fargo stating XXXX XXXX XXXX XXXX is insuring me for an effective date of XX/XX/2021 instead of XX/XX/2021 for my home owners insurance. They are trying to make me responsible for XXXX that is not my fault.
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (GA)

Received a letter on XX/XX/XXXX from American Coradius International LLC claiming I owe XXXX, XXXX {$9400.00}. This is not my account and XXXX shows a XXXX balance for my account.
Consumer complaint received 2019-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NY)

I had submitted an immigration related application to XXXX and paid the fee through my checking and routing numbers. At the time the application went through. 

However, 3 days later I received a notice saying that my application was rejected because my bank had refused to pay the fee. The fee was XXXX while I had almost 1800 in my account. 

This is a pattern with the bank where they have been rejected payments without consulting or notifying me.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Equifax removed my current and previous address from my credit report. I contacted the representative at Equifax and was told my correct address and previous address will be added to my credit on Equifax and they have not done so even though i sent in my ID, Social security, a banking statement showing the current address. Because of this inaccurate and incomplete information my Leander for my mortgage company was not able to get my credit. 

I need the current and previous address to be shown as follows : ADD MY CURRENT ADDRESS XXXX XXXX XXXX XXXX  XXXX FL XXXX ADD MY PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (MD)

I purchased a service called XXXX last year. I didnt like the service so I canceled the service. They charge my account again. I tried to contact XXXX, but they dont have a phone number on their website and when you email them they dont reply. So I contact Suntrust to file dispute. I have completed two dispute documents. I faxed them and even stepped into a branch to have a Suntrust representative email them to Suntrust dispute department. On XX/XX/XXXX I followed up with Suntrust. The Suntrust representative told me they have no records of my correspondence regarding the dispute. Attached are the records. It seems like Suntrust is not trying to assist with this Fraud issue.
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

Booked hotel room using Southwest.com for three nights. Due to unhealthy conditions of the hotel, had to check out on the first night. I was charged for all three nights. Trying to get the refund for two nights. I Called the number XXXX for seven times, person picks the phone up on other side, and all representative keep repeating " Hello, Hello, i can not hear you '' and hang up. Never saw this type of scam. Can not resolved my problem. Never booking my hotel room through southwest Airline. Thanks.