davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (IL)

Over the past couple months when I fell behind on some payments, I began working with them to bring my account current. I initially spoke with someone in late XXXX who advised me that she could bring my account to current status if I could make payments of {$140.00} every two weeks. I agreed. I got a call a week or so later from an Account Rep who said the previous rep was wrong, I would need to make payments of {$160.00} every two weeks to bring my account current. I was frustrated at the apparent misinformation but agreed. Finally, in late XXXX, I received another call from an account rep letting me know that the gentleman on the prior call was wrong, and I should make payments of {$170.00} a month. I agreed. 

A payment was pulled from my bank account in the amount of {$170.00} on XX/XX/20 and posted. Then on XX/XX/20, another ( unauthorized ) payment of the same amount was pulled from my account, causing it to go negative, resulting in a {$28.00} NSF fee from my credit union. 

I contacted support via Discovers  messaging feature in the mobile app but did not receive a response. I am frustrated at the unauthorized charge and its affect on my finances. The pattern of misinformation and unauthorized payments makes me feel nervous and at their mercy when I am already in a delicate financial situation. Im sure this is happening to other customers if its the case with me. It seems very predatory. 

Thank you!
Consumer complaint received 2020-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Society Business Services, Inc. (AZ)

Parties Involved - Patient : XXXX XXXX XXXX Medical Facility : Honors XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX, XXXX. 
Collector : Bureau of Medical Economics Please see the attachment for a full description of the details. I visited the above medical facility but was also billed by a second provider, XXXX XXXX XXXX, XXXX without my knowledge, who duplicated charges by excessive medical billing and overcharging my insurance because of a broken medical system. I am not responsible for these charges that arise from XXXX XXXX XXXX, XXXX committing insurance fraud to line their pockets. Ultimately, It is unlawful that providers are using excessive billing practices on patients. This practice needs to be made aware and halted indefinitely to avoid further harming more patients at the hands of the Medical Community.
Consumer complaint received 2022-05-03
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. (OH)

Today XX/XX/XXXX I received a letter in the mail from Equifax stating the because I submitted a previous dispute they will not conduct a further investigation into my accounts. This is obviously a violation of my rights. 
Also upon checking my complaints with the cfpb the credit bureaus stated they will investigate my case within 60 days. I feel this is very unfair and that i am being taken advantage of and is also a violation of my rights. 
According to 15 USC 1681 & CFPB investigations should be completed within 30 days of receiving original dispute.
Consumer complaint received 2019-09-17
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 (SC)

I have 5 inquiries on all 3 credit bureau. I didnt apply for credit with Capital One. When i called them about the dates XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX. When i called about these inquires they have no records associated with my social security #.
Consumer complaint received 2022-03-08
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. (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 XXXX XXXX and I am filing this complaint for false reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-02-07
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: LoanCare, LLC (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : LOANCARE LLC Late Payment XX/XX/XXXX XXXX  only XXXX Late Payment XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-02-07
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Late Payment XX/XX/XXXX XXXX  only CAP1/WMT Late Payment XXXX XX/XX/XXXX and XX/XX/XXXX CAP1/L & T Late Payment XXXX XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-07-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (CA)

On or about XX/XX/2023, I reviewed my credit report ( XXXX ) and noticed that there was a collection account by CREDENCE RESOURCE MANA account # XXXX ( Initial Account holder XXXX XXXX XXXX XXXX reporting a balance of {$350.00}. I contacted Credence Resource on or about the latter part of XX/XX/2023 and spoke with an agent to discuss the account. I was informed by the agent that the amount shown on her end was {$250.00}, which is different the what was being reported on. This is a violation of XXXX U.S.C XXXX ( XXXX ) ( A ) : The false representation of the character, amount, or legal status of any debt ; or. 
Credence Resource is also, in violation of 15 U.S.C 1692g ( a ), when they failed to send me information within 5 days after my initial communication.15 U.S. Code 1692g - Validation of debts- ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing While speaking to the agent, I expressively explained to the agent that I did not owe XXXX XXXX XXXX nor Credence Resource {$350.00} and shared they must have something wrong. I checked my most recent XXXX report ( 6.27.2023 ) and noticed that the account has not been marked as disputed according to 15 U.S.C 1692g ( e ) ( 8 ). Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( Please attached XXXX report XXXX & XXXX )
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

I signed up with XXXX XXXX to check out their Lawn care service and pre-paid in full for One year of service upfront. At the end of the one year of service, I decided to not renew. I had numerous calls from various people in XXXX XXXX   asking if I wished to renew their service. I communicated that I was not interested in renewing their service. After a few days I got a letter from them stating that I owe {$170.00} for services rendered this year and if it is not paid, it would be sent to collections. Please note that I had explicitly signed up and pre-paid up front for only 1 year of service. 

Thinking that this was a mistake, I called them back about it and they said that nobody informed them that I did not want to continue their service and so I owe them this amount. I responded again that I was not interested in renewing their service for another year, and also let them know that I am not paying the {$170.00} because I did not authorize or even request additional service. 

XXXX XXXX decided to send this " debt '' of {$170.00} to transworld systems for collections anyways.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (NH)

Dates:XX/XX/2020 Amounts : {$520.00} {$500.00} {$200.00} action taken by you : Consumer Financial Protection Bureau File a complaint Paypal unable to refund my money that belong to me misleading advertisement receipt say contact Paypal for support . Contacted Paypal No support Permanent limitation Contacted US Congress XXXX XXXX XXXX Delegate to United States House of Representatives Office seemed powerless to stop Paypal from limiting accounts.
Consumer complaint received 2024-04-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: LendKey Technologies, Inc. (MD)

I graduated from XXXX 2015. My repayment to pay my federal school loan bill was close to {$800.00}. I knew I couldnt afford it so I went to my credit union at department of interior credit union and asked if they could assist me to lower my payments on my federal school loan. unbeknownst to me when XXXX took over my loan the whole time I thought it was still a federal school loan. It was not. They change the specs to a state loan I wouldve never asked for that and that information shouldve have been provided to me. Now XXXX spending {$510.00} a month at the interest rate of 6.54 % which is extremely high. XXXX was contacted to see if I could refinance with them after they told me that it was a state loan. I was not aware of that all the years I have been paying. I contacted the department of interior credit union. They told me you shouldve known that that was gon na be turned into a state law and I said no I did not know it would be changed and no one told me about It.
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (CT)

So in reviewing my loan with Wells Fargo, after paying on this debt for 5 years, I see this was a Consumer Credit transaction in which I never received cash in hand. I was charged a XXXX XXXX charge, total sale was over XXXX more than the amount of the vehicle which was XXXX ending Total sale XXXX. Why Am I still paying this debt. After viewing the 15USC 1692F -G a couple of Consumer laws have been violated here. Please review this account for its validity in consumer violation laws being broken. Thank You
Consumer complaint received 2019-10-08
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. (LA)

I am trying to build a house. In XXXX our mortgage company ran my credit. They questioned me about some delinquent accounts including child support and a vehicle finance company that I have never used. I then requested my free credit reports. I had to mail in my proofs of identification. I then received XXXX XXXX and XXXX reports in the mail. However I received a letter from Equifax made out to my brothers name but my address. They were requesting more identification. I then wrote a letter explaining that it had my brothers name and I mailed the letter with more proof of identification. Once again received a letter. This time addressed with my name requesting identification again. I then called Equifax at the number on the letter and they continued to tell me that they did not have my identification. I then obtained a fax number and faxed my proofs of identification with the letter again. I called the next week. They told me I needed to wait on a letter. We finally received a letter stating that I needed to send more identification and that I would have to pay for report. I called again. I was told that my brothers and my information had been merged. They assured me that it was fixed. They told me I had my own file but nothing in it. I then tried to get onto my Equifax on line and view it. Was locked out. So made numerous calls yet again to be able to log on. Finally was unlocked and I logged on. Everything that showed under my user name and account was all of my brothers personal information wth some of my accounts but mostly his. Called them again. They told me that my account was cleared and that they could not explain why all of my brothers information was showing. I then was told by my mortgage company to go to XXXX and run my credit there that I would have to pay for it but it would show if it was cleared. I made an account at XXXX and was unable to get information. I called myfico and was told that I could not get in because of issues with my Equifax. I then called Equifax again. Needless to say I still can not view myfico and Equifax is showing all of my brothers information including all of his personal information. I have been dealing with this continuously since the end of XXXX. My home has been delayed due to this and I have no idea what to do from here. I need this resolved and I am getting no where with Equifax.
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (IL)

Recently synchrony bank purchased XXXX from XXXX. I set up a payment .... which was paid and not late .... synchrony reported the account late WHICH WAS NOT THE CASE AND THEY BILLED ME LIKE TRIPLE MY MONTHLY PAYMENTS .... when i called i was told nothing can be done even though it was their overtire from the transition from XXXX  to synchrony ... ..i have had this account for almost three years and never late ... .the rep for synchrony didnt even give the right information ... i basically told her more than she knew ... ...
Consumer complaint received 2024-04-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (TX)

Last XXXX, my mortgage was sold to Planet XXXX Mortgage. It has been an absolute nightmare. I've never missed a payment, been late, or delinquent of any kind. Since XX/XX/XXXX, my online account has been unavailable. I have called numerous times every single month while having to make a payment by phone. I complained each time and have emailed them screenshots of the error. Today, XX/XX/XXXX, I was informed that my payment has jumped from {$1400.00} ( originally XXXX & change btw ) to {$1800.00}. I received absolutely ZERO prior communication. Today only, they claim to have mailed something in XXXX that was not received. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX veteran. I only escrow for convenience. When I asked about removing escrow, I was told I could request it in writing after paying a shortage amount of {$1000.00} ( found in XXXX XXXX from XXXX ) and provide a paid in full insurance policy. I then asked how long until I was out of escrow and was informed that they can deny the request for their reasons. I asked what the requirements were and denial reasons. She refused to give me any information. I asked to speak with the escrow department and was told they do not speak with people. She verified if I send a handwritten letter, {$1000.00}, and a paid policy ; still deny removing my escrow and XXXX would be the only company issuing any refunds. My requests to speak with a manager, a supervisor, or have an escalation were ignored at the very least 4 times by at least XXXX different people. until this afternoon. They refused to alter the payment in any way and I'm at loss as to what to do. Also, the XXXX XXXX verified that my insurance has not increased, their numbers are wrong, and this is all bad accounting. Planet Home Lending has been sued multiple times and I can see why.
Consumer complaint received 2019-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XX/XX/2018, a fraudulent deduction was debited to my debit account. a ridiculous fee of {$600.00}. XXXX cents was taken out of my account for a XXXX taxi ride. I do not have a XXXX app. I own my own car. I went to the bank the next day ( Citibank on XXXX XXXX XXXX, ny ) I reported the theft and since then after numerous phone calls to their credit fraud dept. I have been given the runaround. I have called at least 6 times. When you talk to the agent they will not give you their full name ( only their first name and usually some bogus coded info ) The last time I called, the rep told me much to my astonishment that the case was closed. When I complained, she said that she would e-mail the fraud dept. and they would send me a letter in a week. It is impossible to talk to a person directly involved in the case. Everything is e-mails being sent to the parties that could resolve the problem. Citibank is like a secret society purposely set up to pilfer a client 's money. I paid a 30 year home mortgage to citibank at 9.75 percent. I have been a customer for probably 40 years and this is how they treat me. Any banking institution should have flagged such a ridicuous amount for a taxi ride. I am retired on a fixed income. I, virtually have no savings. Please tell me how I an retrieve my purloined funds. 
Appreciatively,
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is reporting a debit that is the result of identity theft/fraud. XXXX had an identity fraud breach and I was the result of identity theft from this breach. This account is in litigation with my attorney for the breach that took place. This should not be reporting on my credit.
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (FL)

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CapitalOne approved me for a pre-approved MasterCard credit card in approximately XX/XX/XXXX. 
They then billed me for an Unauthorized purchase in XX/XX/XXXX. They then began an investigation according to the applicable federal rules. The matter was resolved in my favor and the purchase was removed by the company. In fact CapitalOne eventually removed the unautorized charges from my account. However, CapitalOne insists on charging me monthly late fees for the time that they were investigating the the dispute. I don't believe that they are allowed to do that. Please direct them to remove the charges and amend my Credit Report. 

Respectively Submitted, XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (PA)

Upon reviewing the personal credit report obtained from your organization on ( XXXX ), I observed an unauthorized inquiry : The inquiry was not authorized 1. XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.