davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (UT)

I was seen at XXXX Hospital in XXXX UT on XXXX XX/XX/XXXX. I had just gotten out of prison in XXXX and had no insurance. I acquired a bill of {$6000.00}. I had just started working and was only able to make minimal payments. I made my payments directly to the hospital. On XX/XX/XXXX I received a bill from XXXX for the balance due on the hospital bill. Their claim was " XXXX, XXXX is a company that is managing your account for the healthcare provider. '' At that time or shortly after ( I don't know where to find the exact date because it has changed hands again XXXX XXXX turned my account in as a collection. I have not missed one payment. I disputed the fact that no one had to collect from me. I was making monthly payments. My dispute was not validated. In XX/XX/XXXX, I received a NOTICE OF DEBT dated XXXX XXXX stating the above account, owed to XXXX Hospital is past due. Capio Partners has been contracted to collect the outstanding balance. Payments and questions should be directed to Capio Partners to insure proper credit. At that time I could no longer use the XXXX Hospital online bill pay ( it was blocked ) and I had to begin making my payments to Capio Partners and I had to pay almost double to keep the account current. I have auto payments set up again and have not missed one payment. When Capio Partners took over the debt from XXXX a new collection was reported to the Credit Reporting agencies with an adverse mark again. The only adverse mark I have on my Credit Report comes from this hospital bill and I have voluntarily made my payments, yet it continues to be a bad mark on my Credit Report and it should never have gone to collections. XXXX called themselves managers for the healthcare provider yet turned my account in to credit-reporting agencies and Capio 's NOTICE OF DEBT states " Please be advised that we may report the failure to pay the account to credit-reporting agencies. '' I have not failed to make payments on this account, yet it reflects as a collection against my credit report. Both the attending doctor and the Laboratory cut their bill significantly due to no insurance and voluntary payments being made. Once I paid them off, I started paying the hospital more.
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

I became a victim of a scam with my Truist bank checking & savings account on XX/XX/2022. I had a total of {$990.00} with the 2 accounts. I received a phone a call from a Truist customer service number and the person stated they were from the fraud department and asked if I was aware of the fraudulent activity on my account. I told them I was not aware. They said there was some activity out of XXXX 

Then they told me that i needed to close my account and they would help me, and that I will receive a text message and to give them the code number. I had no idea I was bei ] ng scammed. 

I was on the phone with this person for 45 minutes. I called the bank back to ask them about my fraud claim. The associate had no idea what I was referring to. I asked them to look in the notes. They transferred me to a claim representative to start a new claim. I was confused because I thought I had a claim already when talking with the first person. Its not until then I realized I was scammed. 

I immediately went to a Truist branch to deal with this situation. ALso Truist never gave me a temporary credit of the {$990.00} which other major banks do. I was totally wiped out of my funds, and luckily I have money in other banks. They opened a new account for me and submitted a claim for fraud. After looking through my account at the branch, you can see that someone was trying to access my account for approximately 2 months and may be even longer. I can only view from XX/XX/2022. They tried to access my account 4 or 5 times a day from a XXXX XXXX IP address. I don't even own a XXXX XXXX. My logins are from my XXXX XXXX Desktop. They were trying to gain access in the wee hours of the morning, early morning, and late at night. Most banks shut down your account temporarily when then there's unusual activity and then notify the customer. This has never happened. I never received any notification from Truist of all this excessive unusual activity from all of XXXX and XX/XX/2022. The average bank customer does not access their account daily and 4 to 5 times. This was going on all this time, and I had no idea. Truist acquired Suntrust and so Im a new customer to Truist as I was previously with Suntrust. 

I received a denial letter of my complaint from Truist on XX/XX/XXXX. They never gave me a temporary credit of the money that was fraudulently taken from me. Truist states that I authorized a one-time passcode. I unintentionally gave the person the passcode, thinking I was talking with a fraud claim representative from Truist. I had no idea I was being scammed. I didn't realize I was being scammed until I saw all my money was wiped out of my account. 

Truist is not protecting their consumers because they should have notified me of all the unusual activity in my account. This unusual activity is clearly stated on the login activity. The unusually activity is still happening as of today. 


My original complaint number is XXXX, and another complaint number is XXXX.
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

****My LAST 4 SOCIAL XXXX, the system kept saying I put XXXX # XXXX in the XXXX social # field. **** I started getting letters from lawyers office saying I'm being sued by a debt collector because I owe capital one {$13000.00} for a account that was opened in XX/XX/XXXX, charged off XX/XX/XXXX ... I used to have a capital one account bout 10 years ago, limit was round $ XXXX, I never had a credit with a limit that high. I closed the account because of fraud and identity theft issues that kept happening. I have no knowledge of the balance/account they are saying I'm being sued for.
Consumer complaint received 2019-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc. (MD)

I have no knowledge of this collection account. Moreover, my husband has had a dispute with this creditor. To which he reported to you on XX/XX/19, COMPLAINT ID XXXX stating that they have not reported this account on anyone 's credit. However, this account has been listed on my XXXX and XXXX reports. Furthermore, Aspen Collections have not reached out to me in any form of communication regarding this account.
Consumer complaint received 2019-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (AZ)

On XX/XX/2019 I paid check full balance billed to close this account with check # XXXX which was converted to an ACH and paid according to my bank account. I have returned all equipment. I received no notice from XXXX that it was not paid and I have a copy of my checking to use as proof. I have spoken to XXXX XXXX and GC Services and not been able to resolve with them.
Consumer complaint received 2019-10-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Business and Consumer Solutions. (TN)

I changed my address and had XXXX transfer to new address. It is a free service the offer but somehow they made a mistake and had my cancelling service hence charging me a XXXX dollar early termination fee. I have contacted them 20 times as well as speaking to their corporate office in Pennsylvania with XXXX. I have been assured for months they would fix and never did. Now it is in collections with a company called Financial Business And Consumer Solutions . Please Help! 
Thanks for your time, XXXX XXXX
Consumer complaint received 2019-10-13
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: EQUIFAX, INC. (FL)

they will not let me file a dispute, after i called them they sent me a letter, saying they can not access my credit file, they put my name as XXXX XXXX XXXX sr, my name is XXXX a XXXX and no sr. they will not take my dispute,
Consumer complaint received 2019-10-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IL)

XXXX is now run by Synchrony Bank. I am behind on my payments. They call me from phone number XXXX 10-15 times every single day ( even Sunday ). Some of the calls are back to back. They never leave a message, but they should not be allowed to call anyone that many times in a day. That is harassment.
Consumer complaint received 2016-02-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (NY)

In XXXX of XXXX I engaged in a traded in with my XXXX Honda Civic at XXXX XXXX, because the car battery continued to fail. I was told by the dealer that in order to trade in the car I would need to commit to a new car to receive financing. At the time of trade in I was told that there were no more comparable cars on the lot, so I choose to finance a Honda Accord. I was informed that the monthly payments would be XXXX due to my history and score which was a XXXX - XXXX at the time. Because I was dependent on a car for work and personal responsibilities, I agreed reluctantly to finance this amount. As I struggled to make the payments, I 'd had spoken to Honda Finance regarding lowering my payments but was informed that it could not be done at the time. After completing a XXXX XXXX XXXX at XXXX XXXX and performing my own research thereafter, I realize I was a victim of discrimination as an XXXX XXXX women being manipulated to pay unreasonable high interest rates on a Honda Accord over the course of 6 years. I 've been struggling for close to 4 years not realizing the extent of this violation against me and felt that I was obligated to pay this rate due to poor credit.
Consumer complaint received 2017-05-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (LA)

Credit Acceptance Corporat ion Charges betw een {$4.00} and {$12.00} to process your payments each month. I mail my payment as a cashiers check every month. This is a high interest loan because I have less than perfect credit due to hardships but I have not defaulted on my loan.     Last month the check was returned to me as undeliverable so I sent it again. I sent it the day before it was due this mont h ( so it will have the postmark date on it ) a nd because of the holiday they have not received it.     They call once per hour while I 'm at work and if I answer to tell them they get aggressive and tell me " then I should not have answered. '' The payment is not ev en one week late an d they start harassing, threatening to disable the vehicle and tow it. They actually towed it once and I had to pay an additional {$700.00} to get it back and get a bus to the neighboring state to pick it up.     All while charging {$4.00} - {$12.00} to proccess your payment and not allowing any modern method to pay your  bill ( electro nic deposit, not charging you to pay bill, etc ).
Consumer complaint received 2015-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAINE & WEINER COMPANY, INC. (PA)

My name is XXXX XXXX XXXX. I had a XXXX container delivered to my home at XXXX XXXX XXXX, XXXX Pa XXXX. I lost my job and could not pay. The container was confiscated and a {$1000.00} charge was put on my account. I am not disputing that it is owed by me. The problem is that my son XXXX XXXX XXXX is attempting to buy a house and found out via a lender that the charge is on his credit. Naturally we have XXXX different social security numbers and should not be an issue to change. The account was sent to a collection firm by the name Caine and Weiner at XXXX. I contacted them several time starting a XX/XX/XXXX and asked them to send me a invoice or document that defines the person responsible for paying the debt is XXXX XXXX XXXX not XXXX XXXX XXXX. It has been almost a month. I was told told several different things that I would get something within a week. I have nothing so far and my son is losing valuable time in getting a lender that is aligned with his perfect credit. Please help us. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2019-10-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (MO)

i got a call from CRC XXXX and gave me a number and reference XXXX, DDA XXXX, file XXXX stating that i did not close a checking account so they kept charging me overdrafts instead of cloing the account. they are suing/civil me for a default on the account not being closed and they are going to arrest me and then garnish my wages. there should be no default, i never borrowed any money from the bank it was used to deposit child support and alimony checks only. i need help because this account is from XXXX/XXXX/2006 how can this account even be in collections and it does not show on my credit report either? sincerely XXXX XXXX XXXX
Consumer complaint received 2019-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IL)

In XX/XX/2014, XXXX claims that I called them and accepted financial responsibility for a specific phone line, the person who placed the call had personal information about me. XXXX began sending bills to an old address of mine. Not one single call was ever placed from the billed phone line. The account went into collections in XXXX of 2014, with the collections appearing on my credit report. Numerous calls to XXXX denying that I made that acceptance call with a request for proof of a contract with my signature on it or the phone number that the call was placed from ( surely XXXX has caller ID and is aware of who made the acceptance call ) went unanswered. XXXX 's fraud department has repeatedly insisted that it was me that made the call, although they refuse to disclose the phone number it was placed from, or the fact that an old address was given that I could prove with a change of address form from the US Postal Service, or to provide me with proof of the phone call ( all calls are recorded for legal reasons ). XXXX continues to harass me with this collection, erroneously extending the date of first collection, affecting my credit score and numerous financial transactions. I will NOT pay a debt to XXXX that I don't owe, and I'm sure if this has happened to me, it's happened to others, but I'm not in a position to hire an attorney to resolve this issue and XXXX, so far, has refused to discuss the issue with me.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Shut my card off without explanation. I am XXXX XXXX XXXX with an excellent credit rating above 800. I pay on time and ahead. 
I have spent 9 hours talking to : Customer Service Fraud dept Collections dept Risk dept All departments are unable to explain why the card was shut off.

I am pushed from one department after another without resolve.

A supervisor told me at one point the card had improperly been coded as a charge off. He promised to get back to me with some resolve but never did.
Consumer complaint received 2019-10-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I was out of work at the time because of XXXX XXXX. I was even homeless at the time me and my family. I told the company bout everything that was going on with me. So i try to talk to them bout what was going on with the vehicle. The XXXX converter was mess up and the vehicle had no heat. It was winter and we was in a snow storm with my family in a frozen vehicle move from hotel to hotel. They told me its nothing can do bout it i had to take it up with the car dealership but they was scam artist because they lost the company because of all of the complaints that was sent to them from other people. So i had no other choice but to give up the vehicle because i couldn't pay no more on it. So i choice to let it go because i had to provide for my family to get a home over our head. I really do thank them for help me get a vehicle and im sorry for let it go but my family come first before a vehicle. I just want it to be remove from credit. I understand it was a loan but people do go through hard times and i did go through hard times but XXXX help me to get back on my feet and back to work. I just want to start over with everything. I have even i report them to better business Bureau about the vehicle. If i can get a one time payment offer that isnt to high for me to get off and them off my back.
Consumer complaint received 2021-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (KY)

I received an email from XXXX XXXX telling me to dispute a collections claim for XXXX XXXX. Ive never or opened an account with this company. The collection company is requesting {$1200.00} dollars for an unpaid bill for an account Ive never opened. I contacted duke energy and was told to start the dispute process. XXXX XXXX stated the account is closed due to non payment but did acknowledge to file that it was opened fraudulently. I will be filing a police report for this fraudulent activity as well as continuing the process to get this collection/debt off my credit report.
Consumer complaint received 2021-04-16
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2019-10-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (RI)

Constant getting called while I work Monday -Friday early morning I am in the process of building my credit but I do not know where to start. Left school for a little bit the loan went into default I went back to school to finish. And recently graduated not even a month after I get crazy calls. It really getting annoyed with this.i would like to figure out a way to pay it but Im still in my grace period.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (NC)

Reliacard, US Bank Corp, {$13000.00} balance. Account was closed effective XX/XX/2022. Reason given in letter XX/XX/2022 : I did not respond to letter ( I did NOT receive ) saying I had to use their web site photo verification ID process ( I did later, but was evidently late ). Numerous calls have been made to bank customer service and Oregon Unemployment, issuer. Customer service says Oregon must request the funds but gives no more specifics : how, to whom, what format. Their representative states, THERE IS NO TIME TABLE FOR RETURN OF FUNDS. And, Oregon says they can not request my funds ( accordingly, they have no mechanism to do so ). I.e, each passes the $ buck $ to the other, rinse-repeat. I have not made a withdrawal since XX/XX/2022, primarily because ReliaCard has a complicated scheme to limit amounts, number of withdrawals per time period, time of day withdrawal postings, specific geographic locations of ATMs, branches available for my account. I would prefer termination all dealing with Reliacard, return of funds either as a check, or better yet, wire to XXXX or XXXX account.
Consumer complaint received 2019-10-12
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: FACTUAL DATA CORP. (NJ)

Several complaints I made for : Factual Data Corp. To remove the unauthorized inquiry from all three credit bureaus and to provide any documentation on this CFPB platform that display me consenting to a credit inquiry .... Factual Data Corp has fail to provide this documentation on all complaints. 
File # XXXX File # XXXX Factual Date Corp keeps insisting a letter was sent to me via mail ... that I never received. I am asking for those documents to be presented for review on this CFPB platform. 

Please upload files : Or delete inquiry.
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On  XXXX   XXXX ,  2017 I dep osited {$380.00} cash into a Bank of America ATM on the corner of  XXXX   XXXX    XXXX    XXXX   XXXX  in  XXXX   XXXX , GA. The Atm had difficulty accepting the cash but did take it, then spit out a ticket saying, " We are unable to process your request and can not return your item  ( s ).  '' It also listed a  XXXX  number to call. I called the number and reported the incident to Bank of America. A gentleman took all the information and promised the credit would hit my account with in 7-10 day s. When 10 days passed and I still was not credited I called again. After being transferred numerous times they finally stated that I just needed to be patient that it would be resolved  in 7-10 BUSINESS days. After 7-10 business  days I called back again, was again transferred between multiple departments and finally told, they are still, '' looking into it. '' From my perspective, Bank of America has taken {$380.00} from me and every attempt I make to resolve it results in being sent in circles.