davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Assured Financial LLC (TX)

Had XXXX XXXXXXXX on XX/XX/XXXX. Received equipment from " XXXX XXXX XXXX ''. This company then invoiced XXXX XXXX for payment. XXXX processed and asked for more information. XXXX did not receive information. No invoice was ever sent to me ( XXXX XXXX told me the vendor is not allowed to invoice me until XXXX tells them they can ) The invoice was apparently issued 30 days after XXXX requested the additional information. XXXX XXXX confirmed no further communication from vendor. 
On XX/XX/XXXX I received collections notice in mail asking for payment on this invoice. - XXXX separate claims, XXXX for each piece of equipment. I contacted the collector ( Assured Collections, LLC ) and requested the invoice in question, which was sent. The one claim is incorrect amount, according to their invoice. I attempted to call the vendor, the listed phone number is no longer active. An online search for a new phone number indicated an address for XXXX XXXX that is the exact same address as the collection agency. The collection agency provided a new phone number, which goes unanswered. I passed this and several other phone numbers I found online for XXXX ( XXXX total ) to XXXX XXXX and they were unable to contact the vendor. During my search for contact information, I located over 50 XXXX claims against this company for the same issue : collection notice years after a medical procedure for supplies or services that were never billed, and no one could reach the vendor to discuss. I currently have an open fraud claim in with XXXX XXXX and they are trying to figure this out. The invoice stated that my equipment was deemed " not medically necessary '' by XXXX, but XXXX never processed the claim.
Consumer complaint received 2019-09-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (IL)

Hello, I sold my home at XXXX XXXX XXXX XXXX XXXXXXXX XXXX and purchased a new home in XXXX XXXX. We were scheduled to close on the home in XXXX on Wednesday, XX/XX/XXXX. I was advised it would be completed on time, I signed the closing documents, and turned over the keys on XX/XX/XXXX to drive to XXXX. We were scheduled to close on the home in XXXX on XX/XX/XXXX. 
Due to misinformation and the gross negligence of the buyer 's lender, XXXX XXXX, the closing of the house in XXXX has been delayed indefinitely. I am unable to close on the new home in XXXX  until we finish closing on the house in XXXX because I can not afford two mortgages. 
Its been two full weeks and we still have not closed on the house in XXXX. I've been homeless in the XXXX XXXX area during this time and have had to pay for a hotel while waiting for XXXX XXXX to give the clear to close. I have two pets and with the hotel and additional pet costs, it's cost me over {$2000.00} in living expenses while waiting for XXXX  XXXX. 
I've contacted the buyer 's lender, his branch manager, the Chief Complaint Officer  XXXX XXXX, the Vice President of Compliance XXXX XXXX, and the XXXX XXXX President and CEO XXXX XXXX. I've also submitted a formal grievance to the Colorado Housing and Finance Authority, the Colorado Attorney General 's Office and the Colorado Department of Regulatory Agencies, Division of Real Estate. 
We still have yet to see resolution from XXXX XXXX. Their negligence has negatively impacted the livelihood of both my family and the buyer 's family significant. 
Any assistance the CFPB could provide in urging XXXX XXXX  to take action would be greatly appreciated.
Consumer complaint received 2017-12-06
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: CITIBANK, N.A. (GA)

An inquiry dated XXXX XXXX, 2016 is reporting on my credit. I did not authorize anyone employed by XXXX XXXX XXXX  to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company which was return as an un-deliverable address. Did not receive a response or proper resolution. On my XXXX report the company name is XXXX XXXX XXXX, On my XXXX report the company name is XXXX, XXXX XXXX, XXXX XXXX. 

Also, I 've called and sent XXXX a certified letter to resolve my concern. The only thing I 've received were continuously refusal to rectify this error.
Consumer complaint received 2022-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

After discovering this debt with Capital One XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. The company refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my XXXX  score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

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 corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2017-12-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Unlimited Progress Corp (IN)

Says I opened an account in 2015 and owe {$150.00}. You 're company is not licensed to collect or communicate about a debt in the State of Indiana. I want this removed from all of my credit reports.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I recently checked my credit and was shocked to see this account randomly on my report. I doesnt state where it came from. Who is the original creditor. Documentation stating i granted permission for this to be on my report according to the law. It also did not state the condition this account is in. If this is not verified accurately and without my permission. This is fraud.
Consumer complaint received 2023-08-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (SC)

I purchased XXXX through PayPal but was unable to transfer the XXXX to my personal wallet. Customer service stated that it was due to a security issue and that ability had been frozen. They were unable to specify why my ability to transfer funds was frozen or deemed a security risk, unable to override the freeze and unable to offer a definite time before transfers would be available. This all occurred today, XX/XX/23 around XXXX XXXX. The inability to transfer my funds is in effect freezing access to the. I was told I would need to wait anywhere from 24-72 hours by various representatives with no assurance that the issue would resolve in these time frames.
Consumer complaint received 2017-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NC)

I applied via XXXX XXXX for a Chase Freedom card. My husband had already applied, was approved immediately and received his card. We both have XXXX credit cards. A XXXX XXXX XXXX. Of which we both have our own. And a XXXX card. Which is in my name and he is only authorized user. So technically, he only has one credit card. 
My credit scores are higher than his. ( Or they were then ) I WAS DENIED. 
They gave two reasons in one place on their letter. 1. Oldest revolving account has not been opened long enough. 2. Too few accounts on file for a sufficient length of time.

Further on in their letter, they gave 4 more reasons. 1. Balances on revolving accounts are too high compared to credit limits. 2. Lack of recent installment loan information. 3. Too few accounts currently paid as agreed. 4. Too many accounts with balances. 
I have ( 2 ) credit cards. No other debt. Except rent, utilities, etc. My credit score per their letter per XXXX is XXXX. My total balance is {$280.00}. I will attach their letter albeit with my notes scribbled on it. 
My husband is XXXX. I am XXXX. And I am a woman. He was approved instantly. I was denied. Yet I have more credit for longer. More good credit. And higher credit scores. 
When XXXX exposed everyone to identity theft ( with impunity ) I froze my XXXX Credit Report. However, prior to applying for the Chase card, I had it unfrozen. Is there something going on here because of that? 
The only thing that is different is my age and my gender. 
This is discrimination pure and simple. 
Can you do anything to rectify this? 
Thanking you in advance. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-24
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: Experian Information Solutions Inc. (CA)

After discovering this debt with XXXX XXXX  XXXX XXXX XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. The company refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my fico score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.
Consumer complaint received 2019-11-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems (NC)

XX/XX/XXXX {$360.00}, XX/XX/XXXX {$730.00}, XX/XX/XXXX {$420.00}, XXXX {$590.00} I called them to see what it was because I didn't even know who there where. Tired to tell them that it wasn't me and they still trying to say it was me and that if I didn't think it was me that I need to go to the police department and file a identity theft report that would be the only way they could help me. When I'm telling them they address they have on file is not even the address I was living at. And to explain to them that the accounts where closed and they still saying I have to pay and the they trying to say I seen two doctors in one night that's how I have two of the same dates up there. Which I know I didn't go to the emergency room on the dates that they are talking about.
Consumer complaint received 2023-02-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Innovate Managed Holdings, LLC (TX)

This contract was broken it was the XXXX XXXX fault and Innovate Loan And The XXXX XXXXXXXX Fault they basically scamed me and the contract was broken i do not have that loan neither the vehicle itd affecting my credit score so bad i tried calling the Innovate they keep ignoring me and the only thing they tell me is to open a dispute and that should help i even have proof that i had to dispute a First time payment to get my money back from them and thank god i got it back because they are in the wrong here reporting wrong stuff to my credit please investigate what else can i do to stop innovate from hurting my credit that i been trying to build up! PLEASE
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I sent letters to the credit bureaus over 30 days ago, matter of fact it's been over 45 days since I have sent in my letters letting them know that there were inaccurate accounts on my credit profile that were not authorized. I was impacted by the equifax data breach and I feel like my information got into the wrong hands. I sent in my dispute on XX/XX/2024, almost XXXX months ago and still no response. I feel like I am being taken advantage of and that my issues are not being handled seriously. According to the FCRA any inaccuracies on a credit profile must be removed immediately. If this isn't resolved I will be forced to file litigation. Thanks for your help with this manner
Consumer complaint received 2019-09-11
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (GA)

My initial agreement was with XXXX  XXXX XXXX. The account went to a collection agency by the name of National Credit Adjusters. I made a payment arrangement with them and paid on time as agreed. Due to lack of employment this year, ( XXXX ), XXXX, I was unable to continue the arrangement. My initial balance was {$5300.00} ; I consistently paid and the current balance is {$950.00}. I explained to them that it is not in my current budget due to other debt from being unemployed and I feel this debt can be settled. They offered for me to pay half of the {$950.00}, but I refuse due to how much I have already paid and it not being in my budget. They refuse to settle it without me continuing to pay and they continue to call me daily even though I have already explained and spoken with them.
Consumer complaint received 2017-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (NJ)

I own a business that sells a product online. I use PNC Bank Merchant services.  They charge me a lot of fees to process my transactions. I found a different company that offers lower fees. Turns out I ca n't switch without paying an early termination fee. I did not know there was a fee for early termination when I signed up. Second, online transactions require what is called a " gateway ''. PNC forces me to use a gateway called Payeasy. If I do n't use Payeasy. I have to pay an exorbitant fee for every transaction that is processed. Turns out Payeasy is owned by PNC. I should be able to shop for a gateway without being penalized by PNC. They would be charging me a fee and I would be receiving nothing in return. They want to penalize me for not using their gateway company. that is not right. If this were a real estate transaction, it would be a clear violation of RESPA. I do n't think it is fair that I have to pay an early termination fee and I definetly don think it is right to charge me for using a gateway other that Payeasy. I should be able to choose who I want without penalty.
Consumer complaint received 2022-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, XXXX XXXX XXXX has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that XXXX XXXX XXXX provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed account, please understand I will seek legal action. I need the account removed as soon possible : XXXX XXXX XXXX Date Reported : XXXX Balance : {$650.00} XXXX XXXX XXXX Date Reported : XXXX Balance : {$770.00}
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a complaint on XX/XX/XXXX regarding funds in a BofA prepaid account from EDD XXXX. There were two separate unauthorized transfers that left my account, XXXX for {$5000.00} and one for {$3300.00}. Since XXXX of XXXX, BofA had continually insisted that I made these transfers and that there was no issue. On XX/XX/XXXX, I received notice from BofA that the {$3300.00} transfer was going to be resolved. However, I just received another letter from BofA that the {$5000.00} dispute still remains denied. I have tried to contact BofA to reopen the claim again, but no luck so far. I have been working with XXXX XXXX to help me resolve this, and they suggested I resubmit another complaint.
Consumer complaint received 2019-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

I went to the bank branch to ask why I had two charges of {$36.00} pending overdraft and the banker told me it was for a charge of {$8.00} but if I deposited {$8.00} in cash it would be erased and the two charges would be returned of XXXX dollars and I did that same day at the time I deposited XXXX dollars and then XXXX and XXXX later in cash and I asked you are sure that my account is up to date and they would not charge me 36 times and he replied that if I left confident and I didn't check my cell phone until Saturday I see I had the 2 charges of XXXX dollars and pending another 2 charges of XXXX dollars call the US bank branch immediately Bank and I talked to the cashier and he told me that at that moment he would be returning two times {$36.00} dollars. and I angrily told him that why he didn't do it on Wednesday when he assured me that he had already done it? Well, I expected my account to be free of charge and on Tuesday I checked my cell phone again and now I had 5 times the overdraft charge of {$36.00} I did not make any transactions or movements with my card but I still overdraft for overdraft charging XXXX many times. then call customer service by phone at U.S. Bank and told me that they could not help me they were very arrogant and that I had to pay overdraft XXXX dollars which I do not have to pay that is an unfair abuse after I went to another branch where they understood my situation and the kind cashier returned me Twice XXXX dollars but I still followed the balance of XXXX dollars and the next Tuesday the bank returned to charge me twice XXXX dollars I am not willing to pay that because it is not my fault I know I had enough to make the payments and the banker He said he deposited only XXXX dollars and his account will be up to date if the one or another had told me you overdrawn for XXXX dollars and I would have deposited them so that it will not be overdrawn now I am not willing to give even XXXX dollar to that bank until the 5 charges are cleared of {$36.00} overdraft
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Hello, let me start that I've been with USAA for 16 years and have never encounter this type of problem before and I really don't understand what's going on? I submit a claim to my auto insurance, and they refuse to pay for my extended two days rental car which is their fault because they didn't send the check on time to the Bodyshop that was fixing my car so I couldn't pick up my car when was ready because the owner of Bodyshop refuse to release my car without receiving the check from USAA, I call Usaa and they are very rude, refuse to talk to XXXX  and to close my claim, USAA also doble my auto insurance I use to pay {$220.00} a month they double {$440.00} a month I call and ask why and the agent told me it's what it's, really? at this point I want to move my auto insurance somewhere else and still they refuse to close my Claim and every time I call they hang up on me or refuse to talk to me at all. Claim still open and I retrieve my car more than a week ago. I need help.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I was trying to apply for a capital one credit card but I kept getting denied. I got an email shortly after saying the reason I could not be approved for a credit card was because I already have one with an outstanding balance. I went on to download and check credit sesame where it said I had XXXX $ in debt. I have never had a capital one account nor a capital one card