davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (OR)

This was a workers comp claim and the medicial facility billed both my private insurance and workers comp. When I made them correct this to only bill workers comp they sent me a bill. I went to their billing office in 3 different locations to fix this because I should not receive any bill for a workers comp claim. The billing office fixed this and gave me a statement showing a zero balance. This has been going on for about 3 years so I sent a copy of the zero balance statement and a bill requesting compensation for my time and trouble to correct their mistake. Today I received a call from XXXX XXXX XXXX and decided to file this complaint and request payment from XXXX for my troubles.
Consumer complaint received 2023-08-19
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. (CA)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2019-04-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: First Investors Servicing Corporation, Atlanta, GA Branch (PA)

First investors recently took over loans for XXXX XXXX XXXX. I received a letter about the merger but no instructions on future payment. I made my payment on the due date to XXXX. First investors started to call me frequently as a debt collector. When I spoke to XXXX XXXX I advised him of my payment and emailed him my bank statement showing every previous payment including the one they where turning to collect as paid. This was XX/XX/XXXX. My XXXX was supposed to process the payment and call me back as soon as he was done. I continued to get collection calls so I called Mr XXXX Back on XX/XX/XXXX to which he seemed caught off gaurd and claimed to have not gotten my statements. At that point I emailed them to him again and he said he had them in hand as was going to escalate it to the proper department. I asked them to stop calling my previous employer trying to collect a debt I did not owe. I called first investors back again on XX/XX/XXXX after paying my XXXX payment to make sure it was credit correctly. At that time my account still shows delinquent. I was advised a email would be sent to the manager in the payment processed department by the name of XXXX XXXX who would be in the next day at XXXX and have all of my information. I checked my loan information today and saw the payments have not reflected on the principal in some months now and that the principal and the interest flipped backward instead of the interest going down. I called them again today XX/XX/XXXX to be told the XXXX XXXX is not in until XXXX XXXX and that the person I spoke to XXXX XXXX would email her again to let her know to contact me. I was told my XXXX payment was due even though I had already paid it and have a receipt and that I could try and call back again if I want to talk to her. I tried calling back again for XXXX XXXX only to leave a voicemail again. I have no idea what is going on with my money I am sending into them or the terms of my loan changing
Consumer complaint received 2021-04-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-04-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I had a second mortgage with Wells Fargo ( {$110000.00} ). I had trouble when my husband was sick keeping up with our mortgage payments ( for 1st & 2nd ). I applied for a mortgage modification with both lenders. I was told by Wells Fargo that they wait to hear if the 1st mortgage approves a loan modification, then they follow suit. In 2013 XXXX, the holder of our 1st mortgage approved the mortgage modification. Upon learning that we were granted the mortgage modification, Wells Fargo converted our 2nd mortgage into a personal loan. They placed it in default and told me that if I did not pay the full amount they would foreclose on my house. 

Wells Fargo also filed for wage garnishment with the Circuit Court of XXXX County. I received a letter in the mail after the fact, but was not notified of the I had no option but to pull all of my money out of my 401k to pay them off ( {$77000.00} ). I also had to take additional loans out to pay off the full amount. 

By pulling this money out I lost my retirement savings, I took a huge tax hit. ( this is because they changed it from a mortgage loan to a personal loan ( without my knowledge ) ) Even though I satisfied the loan it is still on my publicly view-able court record for XXXX County ( as well as for XXXX XXXX XXXX County, because they filed in both accidentally ) I have email exchanges with their attorney XXXX XXXX admitting to the filing mistake and promising to fix it. It was never fixed. 

I had no choice but to pay it off as my job requires clearance level that I would lose if I had foreclosure or wage garnishments on my records. 

I have lots of documentation from this period of time. 

I made some phone calls at the time to try to find a way to complain, but was told by everywhere I reached out to, there was nothing they could do. I would like to pursue this at this time because as I watch the news I am learning there are more and more people in bad situation due to Wells Fargo and I like them held accountable.
Consumer complaint received 2020-01-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (GA)

I have reach out to Navy FCU numerous times in regards to incorrect payment information, last payment date status and when the account was close. The information that is being reported are incorrect. They just reported I was 60 days late, yet the account is charged off.
Consumer complaint received 2020-01-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (PA)

Have tried to have old auto debt removed from my credit that was not authorized by myself. Company would not help thay keep reageding the debt to collect further out. Would like removal from credit before litigation proceedes further. Have tried to dispute properly woth XXXX  but they are on the side of the auto company. Please help. Have had removed properly from other agencies. Documentation provided.
Consumer complaint received 2022-09-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION (NC)

I have never in my life encountered a bank with such horrendous and unprofessional staff in my entire life. These people already screwed up my entire credit for the first 8 months this year because the person trying to sell me the loan was too busy running their mouth and didn't bother to even key in my auto-draft. 

NOW when I've tried to pay this loan off in full as soon as possible and have nothing to do with this deceitful and underhanded bank ever again for any reason, I find even more completely deceitful and predatory practices bordering on very illegal activity. 

I'm making ADDITIONAL payments each month now on top on my normal payments, I've been told multiple times by Truist loan officers that there would be NO PENALTY FOR THIS and there's no line anywhere in my contract that says I would be penalized BUT Truist just decides to steal {$41.00} from my PRINCIPAL ONLY payment that I make like this is somehow legal. It's not and they have their website set up to specifically be deceitful to consumers as you can see from the screenshots I took. 

What consumer anywhere would think, when choosing to MAKE AN ADDITIONAL PAYMENT TO " PRINCIPAL ONLY '' that someone's going to just take out nearly {$50.00}? 
THAT IS BY DEFINITION NOT " PRINCIPAL ONLY '' I've called the XXXX and XXXX  banks several times and either gotten a XXXX lady that sounded like she was too impatient or it was just too much to help a client. She transferred me to I'm assuming a branch manager male who just continually gave me nothing but sarcastic remarks. I will never ever bank with Truist again after this loan 's paid off and I have every mind to call my family attorney and file suit against you people. 

This is illegal, it's purposely deceitful to consumers, and it's absolutely predatory. I could have easily paid for this cash but chose instead to finance this purchase and because I chose Truist, I've gotten flat-out robbed, had my credit ruined for the better part of year. Yeah I'm done " asking '' for things to get fixed. I'm going to sue this bank if they don't refund my money. 

I'm sick and tired of all these people at this bank advertising like they give a XXXX about their customers in commercials and then doing everything possible to XXXX them and XXXX up their credit and financial futures so I'd like the CFPB to please publish this publicly so any and everyone can read this non-solicited experience that I've had and know to never trust Truist Banks with any of your financial decisions. Go literally anywhere to the smallest small-town bank or the biggest big-city bank, there is no possible way that those strangers will XXXX up your money as badly as Truist. Thank you.
Consumer complaint received 2021-06-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I am officially in dispute of the above account as referenced, I sincerely believe that Chase is using the process to toll my account to build up fees interest and penalties to eat up the equity in my home and take my home from me. You are using my home as a cash register for your benefit. 
I also believe that this Note has been fully paid and you a trying to collect on a debt twice. 
So, Per the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605 ( e ) I have the right to dispute and question the alleged debt and to obtain key pieces of information about my loan.

See attached file for details
Consumer complaint received 2019-04-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Byrider Franchising, LLC (OK)

In 2015 my vehicle which had XXXX insurance was totaled out. Insurance paid the majority of what was owed on the vehicle and cnac told us that the XXXX insurance that was purchased through them would take care of the the remaining balance. However they keep adding it back to my credit report as it is a new debt and it is currently owed. This is well over the time limit of them being able to report said debt, and they will not remove it.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advance Bureau of Collections (GA)

I submitted a CFPB complaint on XX/XX/XXXX against Advance Bureau of Collections ( complaint id XXXX ) regarding a debt that had already been paid and them adding a collection account on my credit for this debt. Their response acknowledged this debt had been paid and they said they would remove the account from my credit. As of today XX/XX/XXXX, this account is still showing on my credit as a negative collection item. It is absolutely absurd that I am having to file a 2nd complaint to resolve this issue.
Consumer complaint received 2023-08-19
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. (TX)

I am submitting my complaint to solved this matter. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The three credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held by them. These items were appeared fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2019 I at temped to make a transfer of funds from paypal to my bank. Paypal reversed the transfer. The funds never got to my bank account. Unfortunately I had to work so I did not check to see if the money went through.I have had both these accounts for three years and never had a problem. I made a transfer on XX/XX/2019 and it went through no problems. I incurred {$190.00} ( as of XX/XX/2019 ). I have spend four days listening to paypal blame me and the bank for a system error on their part. 
I have heard all manners of excuse of how the bank was the problem, or how I used their system wrong. Paypal refuses to take responsibility for their system. 
I contacted the bank first by phone then in person with paypal on the phone. XXXX XXXX XXXXXXXX XXXX   said even if they declined the transfer it would have shown up on my account and they would be able to see it. They looked to see if it was trying to go through my debit card and got rejected. No. They look to see if it was wired to me and got rejected. No. Nothing hit my account. I have recorded all the conversations between me and paypal and me and XXXX and paypal. At this point I am caught between Paypal and XXXX and I have to pay off the overdraft fees and no one will take responsibility for their system. I do have recording of my conversations with paypal and XXXX but my body cam download is more than 10 mb. So if there is another way for me to send them please let me know.
Consumer complaint received 2023-08-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (MI)

i have to collections reporting to my credit report for a service I never recieved at a residence I have never lived at I provided proof of residency and identification ask requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (GA)

In accordance with the fair credit reporting act XXXX XXXX XXXX ( XXXX ) has violated my rights. 
15 U.S.C 1681 Section 602A Section 2 States I have a right to privacy 15 U.S.C 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C Code 1681s-2 States A PERSON shall not furnish any information relating to a consumer to ANY consumer reporting agency if the PERSON KNOWS or has reasonable cause to believe that the information is inaccurate. 
( B ) States A person shall NOT furnish information relating to consumer to any consumer reporting agency if- ( i ) The person has been notified by the consumer at the address specified by the person for such notices that specific information is inaccurate and ( ii ) The information is, in fact, inaccurate.
Consumer complaint received 2019-04-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (FL)

I have a budget, I live paycheck to paycheck, and needless to say I review my checking bank account online every evening. My last incident of many, On Monday, XX/XX/2019, I noticed that ( 2 ) charges hit the checking account, and as previously instructed by the bank customer service, Ensure to balance your account before midnight. I went to the ATM and made the deposit and the receipt shows a positive balance ( receipt attached ). The next day the bank had charged me for insufficient funds fees ( $ XXXX {$64.00} ) anyways. I called their customer service to complain and their last excuse is that I have to read the ATM receipt that explains that any deposit done in ATMs will be credited the next day. I have this account with this bank for 20 years and this the first time that customer service give me this new excuse not to waived the fees. They only allow ( 1 ) waived fee per year among many other excuses.
Consumer complaint received 2018-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

I have always paid my real estate taxes and mortgage insurance on my home. Ocwen once before tried to force me into a escrow account and I called and had it cancelled. They have once again did the same thing. They sent me a list of what I needed to do to cancel it. I did what they said and then they turned around and denied it and paid a back tax that they had no right paying. I handle that myself and now because of that, I once again owe them money and they are saying I can not cancel the cancel that escrow. My wife was on the phone with them for over an hour telling them, that we know all about the lawsuits against them and the sanctions that were placed on them for this very thing. She also informed them that if she did not hear back from them that a complaint was going to be issued. Every other year they are adding an insurance policy to my account when I handle my own insurance policy through XXXX XXXX. Its a battle to have that taken off my account even after my agent calls them and sends them the proof that I have insurance. Its a nightmare dealing with this company with all the sneaky things they do.
Consumer complaint received 2018-04-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

Received an letter from Collection Bureau of Ft. Walton Beach Inc ( collection agency ) asking to complete medical release form. To my knowledge, I think that's a HIPPA violation and the collection agency should not have access to my medical records.
Consumer complaint received 2019-04-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (CA)

This the second complaint about two calls made on XX/XX/2019 around XXXX Pacific Califonia time.. I want to know if transaction we're made without my knowledge or permission. If so I am seeking wire fraud charges and payment for loss of opportunity to gain substantial money due to banking misuse of my money and time. I had sick family members that I possibly could have given help to. This behavior effects lives. This is no joke. What has gone on since I put my money in an Ally account minorities and veterans are people that deserve respect and fair treatment too. I want the actions surrounding my account investigated and want to be compensated for this waste of my time, energy and all other things of waste and abuse concerning monetary opportunity stifled. And, if out right blatten abuse was present I want criminal charged recognized. My like hard work earned residual is no a plaything or lesser recognized joke.