davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have XXXX inquiries on my account I contacted the merchant and was told to dispute it .. someone has been using my information and I wasnt aware all I applied for a card and was told I had inquiries and when I checked I noticed none of them were me.. please help
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX Accounts above with XXXX, has violated my rights. 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. Please remove these items from my report. please remove the following account promptly 1 ) dept of ed/XXXX  - account beginning in XXXX additionally I never authorized the following closed installment accounts and am requesting their immediate removal 2 ) XXXX XXXX XXXX account beginning with XXXX 3 ) XXXX  account beggining in XXXX 4 ) XXXX account beggining in XXXX 5 ) XXXX  account beggining in XXXX 6 ) dept of ed/XXXX account beggining in XXXX 7 ) XXXX account beggining in XXXX 8 ) all dept of edXXXX XXXX  accounts beggining in XXXX
Consumer complaint received 2022-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (FL)

complaint number XXXX The bill was not included and here it is now. Show clearly I shut off on the XXXX of XXXX which is when bill generated. I was told its one day in billing cycle and they would as a courtesy date back. I thought the bill was uploaded and it was not.
Consumer complaint received 2023-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CT)

In XXXX I was the beneficiary of a Federal Emergency Homeowners Loan Program ( EHLP ). I got a {$50000.00} forgivable loan as long as I kept making my payments and used my house as a principal residence. Thirteen years later, I wanted to sell my house and discovered that HUD had put a lien on my house when I took the emergency loan. In the meantime, I lost all my documentation due to a malfunctioning sump pump in my basement in XXXX. HUD is asking me to repay the {$50000.00} forgivable loan unless I can prove that I paid my mortgage on time between XXXX and XXXX. They won't even accept bank statements because they didn't show when payment was due, only when payment was made. Specialized Loan Servicing LLC refused to provide me with all the billing statements between XXXX and XXXX, stating that they didn't service the loan during that period. If I can not prove to HUD that I made these payments, they want me to repay them {$50000.00}. I met my financial obligation if I still have the same mortgage since XXXX. 
I want to file a complaint against Specialized loan servicing LLC for refusing to provide me with my billing statements from XXXX to XXXX or write a letter stating that I have paid my loan on time for the past 18 years. Their inaction could result in me having to pay {$50000.00} to HUD. I want to file a complaint against HUD /Federal Emergency Homeowner 's Loan Program for not letting me know that I had a lien on my house at the end of the program in XXXX. But six years later, asking for documents that are difficult to find. Instead of helping, they are doing everything to get their money back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ct XXXX
Consumer complaint received 2017-08-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

Two and a half years ago I took out a car loan with Santander Consumer, where a year ago I was diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX where I was let go from my job of 6 1/2 yr as I was told by employer that we are no longer on the same path. I reached out to Santander with no prevail to allow me to change my payment amount. They refused. I utilized XXXX ( XXXX XXXX XXXX XXXX ) and XXXX XXXX ( XXXX XXXX XXXX ) to help me with bills. Upon going over my financials as needed when you apply for help through organizations it was noticed that although I have been paying Santander over {$340.00} monthly my loan amount is not budging but a fraction, and in addition the late fee 's that were being charged were double the amount of the car payment itself. Shortly after they repossessed my car as they would not work with me. I received outside aid to get my car back and having to pay quite a bit of money. Just last month they showed up in the middle of the night, never reached out to me, they simply repossessed the car again for 2 late payments, as they would not work with me. This time I did not make any attempt to get the vehicle back as I have now learned that this company is worse than a " loan shark '' - they take HIGH payments each month where your loan does not go down, charging more than double the amount of the monthly payment as a late fee, not willing to work with their clients, and in ending, after my car was repossessed they sent immediately to auction, sold it, and are still charging me along with late fee 's for the original amount of the loan and reporting it to Credit Reporting agencies, so they are now wanting to get paid monthly on a vehicle that I no longer have in my possession which has been sold at auction where they pocketed that money. Also note that they have locked my online account so I can not get into it to see what they are charging now or to provide to you my account number. I honestly feel as though this company needs to be investigated. In addition fine the following where I have now found that I am not alone as the following is over 1,095 complaints on the following site as well not counting others XXXX XXXX XXXX XXXX  I have requested an inquiry by my Congressional Representative as well. I can be reached at XXXX, I do plan on taking this to media. Thank you for your prompt attention.
Consumer complaint received 2022-04-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (GA)

I have made several attempts to dispute these accounts from Medical Data System after reaching out to them via a certified validation letter. During the dispute process and after sending a certified letter for debt validation and verification ownership and other requests. During this time, I asked and by rights communication and reporting should cease for the dispute period. Also, during this XXXX period, there were excessive calls from this company. These unfair credit reporting actions were taken before responding to my certified letter. These unfair practices are damaging my credit score and impeding my attempt to purchase a house and car.

For the reasons above, I went through XXXX directly explaining these unfair practices. As resolved The items were deleted. This company immediately reported these same items again, but this time duplicated each item. Notice the same amount reported as the original open date. Please see the below items that are currently on my Credit report with XXXX The company in In Violation XXXX question is MEDICAL DATA SYSTEMS INC XXXX Address XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX XXXX {$50.00} First reported XX/XX/XXXX XXXX XXXX Care {$50.00} Duplicate reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$50.00} First reported XX/XX/XXXX XXXX XXXX Care {$50.00} Duplicate reported XX/XX/XXXX {$86.00} First reported XX/XX/XXXX {$86.00} Duplicate reported XXXX time reporting after deleting XX/XX/XXXX {$150.00} First reported XX/XX/XXXX {$150.00} Duplicate reported A few examples of excessive and harassing calls See below. 
Voicemail Call log : XX/XX/XXXX Time XXXX XX/XX/XXXX Time XXXX XX/XX/XXXX Time XXXX XX/XX/XXXX Time XXXX XX/XX/XXXX Time XXXX XX/XX/XXXX Time XXXX
Consumer complaint received 2017-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I disputed with Credit Bureau for verification of Debt from Portfolio Recovery Associates and The recovery Associate Fail to validated the debt.
The Portfolio Recovery Associate  produced Documentation that were invalid and not sufficient to proof the debt belong to me.
I requsted the Portfolio Recovery Associate to immediately removed the collection from my credit report.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I was a customer of HSBC for many years. On XX/XX/XXXX I called HSBC to pay off my outstanding balance ( I always paid all of the outstanding balances month after month ) and close off my account. After an hour of back and forth and a confirmation that my balance was paid I was also sent to the rewards department to cash out on the points balance, which was quickly done ( I received {$500.00} worth of gift cards ). XXXX months later I started receiving calls about my " outstanding balance ''. I've had XXXX conversations with XXXX XXXX and XXXX with fraud department and they still won't stop. This is a terrible business and I will never be their customer again. However, I don't know what I'm supposed to do with this other than suing them.
Consumer complaint received 2022-04-12
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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (FL)

Each dispute I requested original application agreement on several attempts no documents have been provided and based on Fair Credit Report it should be completely removed from credit report it original agreement can not be provided. Thank You
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Equifax is continuing to report late payment for XXXX account I disputed this and they said it was accurate even when the creditor has said that it was not valid this needs to be updated immediately. 

XXXX has an account under XXXX  that does not belong to me and needs to be removed I have included police report and ftc report there are also inquiries that I did not do with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC (CO)

On XX/XX/2022 global payments sent notice that they were reversing a previous decision to refund my money, and took the money back, XXXX out of my checking account. previously we had messed up a repair on a customers vehicle, that customer took his vehicle to the dealer had it repaired at the cost of XXXX so global payments went ahead and took XXXX out of my checking account. after numerous attempts to fix this called global payments one last time, no one will call back, after sending me on a goose chase with XXXX XXXX
Consumer complaint received 2022-04-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MD)

Going through the options, there isn't a description adequate enough to describe my complaint or concerns. I have filed a pervious complaint only for Navient to gloss over the document provided and not address my initial compliant. 
" When Navient stated they have no record of my loan being closed and to submit a copy of the revelant section of my credit report, I did that. In my original complaint I submitted a copy of my XXXX XX/XX/2021 credit report where it clearly list my student loan as closed, account status " CLOSED. '' That's the reason for my inquiry. This caused my credit score to spike to XXXX and then suddenly drop again. I've already inquired with the credit company and they stated they are reporting what Navient reported. '' If my student loan was canceled under the Biden Student Loan Cancellation program, I want to know. I don't want to be paying on a student if that's the case. Navient needs to address the document enclosed with the complaint.
Consumer complaint received 2023-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NY)

Hello, I need help to enable the withdraw option again due to is being block for a new limitation that was place. And it's over 6 months since I received the email. 

My email is XXXX I need help with this situation please I called and somebody told me that the new limitation is blocking withdraw option and can be enable for executive from paypal.. please need help.
Consumer complaint received 2017-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On X/X/2017 I have submitted a complaint ( Case number : XXXX ) to CFPB about XXXX XXXX XXXX for false reporting student loan issues on my Trans Union credit report ( I am the cosigner of XXXX XXXX the daughter and responsible for the account ). XXXX has been hit with many lawsuits and it continues so. 

However I then proceeded to ask Trans Union to remove the negative items, which they did at one point, but after that it continued to report the negative items : credit report TU file number XXXX. 

I therefore ask the CFPB to get involved and ask TU to remove those items since it hurts my rating!! 

It has been an ongoing dispute with TU and they refuse to correct the inaccurate items on my report. 

Sincerely XXXX XXXX
Consumer complaint received 2021-05-16
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: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$190.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (CA)

This is a fraudulent debit card charge to my bank account. I contacted the bank on XX/XX/2002 and advised them that this was not my charge and I was disputing the amount. Thereafter, the bank credited back the amount charged by XXXX XXXX in the amount of $ XXXX also personally went to the XXXX XXXX and talked to the manager and he said he would get it straightened out. A letter was received from TRS Recovery Services on XX/XX/2002 stating that I owed this ; on XX/XX/2002 I replied with a letter to TRS advising that this was a fraudulent charge. See attached.
Consumer complaint received 2017-08-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Gurstel Law Firm, P.C. (AZ)

On XXXX XXXX, 2016 XXXX XXXX XXXX XXXX sued me in XXXX XXXX for the State of Arizona in & for the County of XXXX -- XXXX XXXX for {$11000.00} which was the amount credited to my husband 's XXXX XXXX XXXX XXXX credit card as result of a move of some of our possessions from XXXX XXXX XXXX to XXXX AZ in which some possessions were stolen or lost, and others were damaged which XXXX refused to reimburse my husband for despite insurance coverage from XXXX. Attached is a copy of the XXXX statement showing my husband, XXXX XXXX XXXX, received the credit after providing XXXX with evidence of the items stolen/lost and damaged. My husband was the XXXX to XXXX. Attached is correspondence with XXXX XXXX XXXX and a listing of theft/loss and damage to various possessions moved. I was only a signatory on his XXXX account. Despite the fact that XXXX accepted my husband 's proof over XXXX 's XXXX has sued me and refused to turn over any correspondence between XXXX and XXXX. I need assistence because hiring an attorney would me a large portion if not all of the XXXX recovery.
Consumer complaint received 2017-08-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I signed up for a Capital One 360 Money Market account on XX/XX/XXXX with the " XXXX '' promo code welcome bonus offer, which gave a {$200.00} bonus upon deposit of {$10000.00} into the savings account. 
There were a few problems with setting up my external bank account, which took a few days to resolve, and then I was able to transfer the money by XXXX XXXX, XXXX. 
They promised that the bonus money would arrive within 3-4 weeks, and that there was no minimum deposit length requirement. 
However, the bonus still has n't arrived in my bank account, even though I entered the promo code, was targeted, and should have received the bonus by now.
Consumer complaint received 2017-08-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I did miss a payment in XX/XX/XXXX. Due to my finances I was unable to bring my account current until XX/XX/XXXX All other payments were made. I have payed receipts for all payments. All payments were made at Bank of America bank or pay by phone, a Bank of America XXXX number printed on thier monthly bill to pay. Last month I received a packet from the Bank of America stating forecloure is being started and XXXX the month of forecloure. I then called XXXX XXXX XXXX. XXXX XXXX XXXX was the XXXX assigned to help me. 
A letter was sent to the bank and the foreclosure was dropped. Now as per my records back payments were brought up to date. XXXX XXXX sent a letter requesting a report from the bank listing all payments made. No report has been made or sent to me or any contact from the bank by letter or phone. 
When the account was brought to date by my records the bank showed a balance of {$1600.00} still due. A report of Bank 's payments received would help to resolve this matter, which i previously requested. 
Please help me to resolve this matter. The Bank seems not to be interested in resoving the matter. 


Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX XXXX ( cell )
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (NY)

I am writing in regards to my account with Discover Financial Services Account # XXXX, the reason for this request is the reporting of late pays reporting in XX/XX/2020. As I am sure you are aware that FEMA declared a national disaster occurred during that time which has impacted me.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-12
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: CITIBANK, N.A. (NY)

I hope you're doing well! I'm reaching out because of a dispute that has been challenging to resolve. I have been a Citi customer for years, but they have been incredibly difficult and frustrating to work with on a dispute that has taken 4+ months and counting. I have received contradictory information throughout the process.

I'm not sure who to trust ; the merchant has told me repeatedly that they approve the refund and yet behind the scenes, is telling Citi that they can not. Citi has charged me for this Covid test that I did not receive, despite assurances that they wouldn't. I would really appreciate your help. Below is the relevant documentation and some brief context, as the email exchanges are quite long. 

-- -- I have attached the relevant documents. As brief background, I went to get a paid covid test for {$150.00} on XX/XX/XXXX at XXXX in XXXX XXXX XXXXXXXX. Since, then : - When I reached out to XXXX initially on XX/XX/XXXX, they told me that they processed this refund on XXXX ( " XXXX  refund processing '' ) - When I didn't see anything returned to my Citi credit card, I reached back out to them ; they told me that they do owe me the {$150.00} but are unable to process the refund on their end due to XXXXXXXX XXXX policies and requires the dispute to close in order to do so - I shared this documentation with Citi to resolve the dispute, but Citi closed the dispute in the merchant 's favor - When I called Citi customer service to get more context, they advised that I should never close the dispute and have their team reopen and resolve it ; they advised to get in writing that XXXX approves of the refund and send that in, which I did ( " Proof of refund approval '' ) - Despite reopening this dispute, the dispute was againresolved erroneously in the merchant 's favor ; today, I received a letter from Citi today saying that they are " unable to continue your dispute as we have determined the merchant is unwilling to issue a credit '' ( " Citi denial '' )- I have just sent another email to Citi asking for them to resolve this
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

transunions report to the other two credit company saying there a police report saying my address is fraud which i never had done. 

i upload documents of my passport, my rental ledger which shows my address and how much rent owe and my credit card statement which shows my address.