davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC (SC)

I received a debt collection notification from Revco Solutions on XX/XX/XXXX dated XX/XX/XXXX. Rebel claims that I owe {$110.00} in outstanding medical debt from XXXX XXXX from a device worn in XX/XX/XXXX. I have disputed numerous times this amount asking each time for an itemized breakdown of the original {$990.00} charge prior to my insurance payment. Revco sent a response to my dispute on XX/XX/XXXX dated XX/XX/XXXX stating I still owed the debt again with no itemized breakdown of the {$990.00} charge. Based on the Fair Debt Collection Practices Act, I feel the continued unwillingness and failure to provide this itemized breakdown of the charges is fraudulent and unjustified. I am becoming increasingly concerned that I am being victimized by Revco and its unfair debt collection practices. Please investigate this issue and I have attached copies of these notifications for your records.
Consumer complaint received 2022-07-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Double Diamond-Delaware, Inc. (MD)

On XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$4400.00} cleared my financial institution. this check written to UEMC ( United Equitable Mortgage Company ) retiring the mortgage on account # XXXX. A letter from stated mortgage company dated XXXX XXXX, XXXX was received by this complainant, the letter stated that I could expect to receive the lien release on the mortgage held by UEMC within 12 to 16 weeks, the lien release has not yet been received. I have cleared several mortgages and never has it taken longer than six weeks to receive the release. I can only speculate that UEMC is holding my mortgage value to underwrite other underperforming accounts held in their portfolio.
Consumer complaint received 2023-12-28
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. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The company did not provide adequate information as to how the information was verified as accurate. 

The company did not provide additional information as to proof they are within legal reporting time limits to report the derogatory information I would like for the derogatory information to remove old outdated information from my credit file. The Department of Education has been reporting for over 7 years that I have or had made a late payment on a student loan account that was once owned by XXXX. The loans were consolidated and have since been submitted to The Department of Education for discharge. I attended XXXX XXXX in 2009 the school was sued and closed down which made me eligible for a loan discharge. The derogatory remarks on my report are damaging. I would like you to consider removing the negative payment from my credit reports. I say this not to justify why my payments were late, but rather to show that the later payments are not a good indicator of my actual current credit worthiness. At the time of the late payment my hours were slowed due to caring for my mother who has now passed. I have been denied credit on several loan request due to these reporting Im unable to get a reasonable house loan and since Covid-19 with the economic impact lenders are hesitate to provide funding at reasonable interest rates. my loans are currently on an administrative deferment due to the class action lawsuit against the Department of Education and currently my application status for discharge is pending. I hope that department of education is willing to work with us on erasing these marks from my credit reports.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I filed for Bank of America to investigate a charge that was made on my account. Ever since then the bank has been blocking my card, making me go into different bank institutions to verify my identity in which I did. They make me call them every single day for charges on my account. Today is XX/XX/XXXX and I have been on the phone with the bank all day and spoke to several different bank reps and they just tossed me around in the q. The bank has been treating me like a criminal ever since I filed a claim for charges I didnt recognize. The bank has been also making make multiple payments on my account claiming that my payment was due every time I make a charge. They have been using deceptive practices to me on a daily basis while Im trying to service the debt on my account. I explained to the bank that I cant keep going into the bank because I could lose my job.
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (FL)

The company did not provide adequate information as to how the information was verified as accurate. 

The company did not provide additional information as to proof they are within legal reporting time limits to report the derogatory information I would like for the derogatory information to remove old outdated information from my credit file. The Department of Education has been reporting for over 7 years that I have or had made a late payment on a student loan account that was once owned by XXXX. The loans were consolidated and have since been submitted to The Department of Education for discharge. I attended XXXX XXXX in 2009 the school was sued and closed down which made me eligible for a loan discharge. The derogatory remarks on my report are damaging. I would like you to consider removing the negative payment from my credit reports. I say this not to justify why my payments were late, but rather to show that the later payments are not a good indicator of my actual current credit worthiness. At the time of the late payment my hours were slowed due to caring for my mother who has now passed. I have been denied credit on several loan request due to these reporting Im unable to get a reasonable house loan and since Covid-19 with the economic impact lenders are hesitate to provide funding at reasonable interest rates. my loans are currently on an administrative deferment due to the class action lawsuit against the Department of Education and currently my application status for discharge is pending. I hope that department of education is willing to work with us on erasing these marks from my credit reports.
Consumer complaint received 2021-06-15
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)

The company did not provide adequate information as to how the information was verified as accurate. 

The company did not provide additional information as to proof they are within legal reporting time limits to report the derogatory information I would like for the derogatory information to remove old outdated information from my credit file. The Department of Education has been reporting for over 7 years that I have or had made a late payment on a student loan account that was once owned by XXXX. The loans were consolidated and have since been submitted to The Department of Education for discharge. I attended XXXX XXXX in 2009 the school was sued and closed down which made me eligible for a loan discharge. The derogatory remarks on my report are damaging. I would like you to consider removing the negative payment from my credit reports. I say this not to justify why my payments were late, but rather to show that the later payments are not a good indicator of my actual current credit worthiness. At the time of the late payment my hours were slowed due to caring for my mother who has now passed. I have been denied credit on several loan request due to these reporting Im unable to get a reasonable house loan and since Covid-19 with the economic impact lenders are hesitate to provide funding at reasonable interest rates. my loans are currently on an administrative deferment due to the class action lawsuit against the Department of Education and currently my application status for discharge is pending. I hope that department of education is willing to work with us on erasing these marks from my credit reports.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (CA)

Inaccurate Account - XXXX XXXX XXXX This account is reported as 2 entries in XXXX. One entry stated open account. The second stated this account as a collection. No report of this account in XXXX or XXXX. I have no knowledge of this account. Please delete as this violates the FCRA in reporting. see attached.
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (GA)

The inquiries listed below are fraudulent and I did not authorize them also attached is identity theft report. 

Equifax Fraudulent Inquiry XXXX XXXX XX/XX/2020
Consumer complaint received 2023-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WI)

My XXXX loan account is on a payment pause while they process my income driven repayment plan, meaning no payments are due. 
I decided to make voluntary payments while my account is in an administrative forbearance. 

I received a statement dated XX/XX/XXXX from Nelnet stating {$100.00} would be autodebited from my account on XXXX. It shows no past due amounts, and my last payment of {$140.00} was paid on XXXX. It also states that my regular monthly payment is {$100.00}. 

They autodebited {$750.00} on XX/XX/XXXX. No authorization, no advanced warning, no communication from Nelnet whatsoever since the statement on XX/XX/XXXX. 

I can not get through to a representative by phone and they have not answered my emails.
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (GA)

I began disputing an unverified bankruptcy with Equifax in XX/XX/XXXX. I have sent this institution multiple disputes requesting that the unverified item be investigated and removed from my Equifax credit report. Every time this institution responds with the item is verified and the data furnisher is XXXX XXXX. I have reached out to XXXX XXXX on multiple occasions requesting information on if their establishment provided data or verified the information in question. Each time, their response to my inquiry was a resounding No. On XX/XX/XXXX, after speaking with a XXXX XXXX Customer Rep I was able to once again pull my XXXX XXXX consumer report. After Obtaining my XXXX XXXX report and reviewing the information, it was confirmed that Equifax had not conducted a proper investigation into my dispute. According to my XXXX XXXX report Dated XX/XX/XXXX page number # 2 shows that a security freeze has been in place since XX/XX/XXXX, and page # 47 of the same Lexis Nexis report shows no Bankruptcy under Section 9 Bankruptcy records. On XX/XX/XXXX, I sent another letter to Equifax once again disputing the information. On XX/XX/XXXX, I received a response stating that the information was once again verified and the data furnisher was XXXX XXXX. I have included pages 2 and 47 from my XXXX XXXX report dated XX/XX/XXXX, as supporting documentation to prove that a proper investigation is not being conducted and Equifax is continuing to report unverified information on my credit report.
Consumer complaint received 2024-04-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Newport Intermediate Inc. (WA)

I am writing to file a formal complaint against XXXX XXXX XXXX, a company that issues general cash gift cards. I have experienced multiple issues with their service that have caused significant inconvenience and financial distress. My complaint revolves around the inability to use the card purchased due to repeated transaction declines, unwarranted withholding of funds, and misleading communication regarding the card 's usage criteria. 

Transaction Declines and Withholding of Funds : I purchased a gift card from XXXX XXXX XXXX  and expect to utilize it like any general cash gift card. However, XXXX XXXX XXXX  has repeatedly declined my transactions at various merchants despite these merchants being within the XXXX payment network and accepting the card. Notably, even when attempting to use the card at explicitly allowed locations ( XXXX in my case ), my transactions were still declined under the pretense of " fraud '' detection. 

Misleading Information Post-Purchase : After purchasing the gift card and only during a call with customer service, I was informed of certain criteria restricting where the card could be used, information that was not made clear at the point of sale. This lack of transparency has severely limited my ability to utilize the funds as intended. 

Customer Service and Resolution Issues : Upon contacting XXXX XXXX XXXX regarding these declines, I was informed that I would have to wait 30 days before any action could be considered. This response is unacceptable and unjust, especially since the merchant involved confirmed the fraud detection from XXXX XXXX XXXX to be false and had already released all authorization holds. 

This situation has caused me not only financial loss but also considerable stress due to the restrictions placed on my funds without a valid reason. I have made several attempts to resolve this matter directly with XXXX XXXX XXXX, to no avail. 

I request the CFPB 's assistance in investigating these practices by XXXX XXXX XXXX  and compel them to provide a just resolution, including the immediate release of my funds and compensation for the inconvenience caused. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2022-07-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (CA)

hi there, I sent {$150.00} on XXXX XX/XX/2022 to my friend in XXXX via XXXX. On XXXX XX/XX/2022, Remitly showed the money has been delivered to the desired bank account while my friend had NOT received it in his account. So I contacted Remitly using the reference number to see why my money has not been transferred? The agent who was chatting with me said although the name on the account is correct, there was a typo on the account number and the money has been transferred to another bank account! ( it was weird for me how is that possible? when the name and number don't match! ) So she said she's going to contact the bank and ask for a refund then we can re-send the money. she said it's gon na take 7-10 days, I shouldn't contact them and they will reach out to me shortly. 
Remitly never reached out to me and I didn't receive my money. So for the 2nd time, I contacted them, this time via phone. ( I think it was at the end of XXXX that I called them ). Another agent said I'm going to contact the bank right now and you will receive your refund in 7-10 days from now. Again, nothing happened. 

After the 2nd try Remitly still didn't contact me. After about 10 days ( after the 2nd try ) on XXXX XX/XX/2022, I contacted them again, and the new agent said I'm gon na write an email to the bank and ask for a refund and it's gon na take 7-10 days for you to receive your refund.

I do not trust Remitly now, I don't think they took good care of my money and I really don't understand how they could make a transaction to a wrong account number while the name doesn't match and why they are not able to contact the bank in XXXX and get my money back? 

I'm filing this complaint against Remitly because I believe they are not doing anything to resolve my issue and get my money back.
Consumer complaint received 2021-06-15
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: FIRST NATIONAL BANK OF OMAHA (NY)

I did not authorize inquiries for this companies, I have never sign writen authorization. Inquiries have no permissible purpose. 
XXXX XXXX XXXX XXXX  XX/XX/2020 FNB Omaha XX/XX/2020 XXXX XX/XX/2020
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (IN)

I have disputed this XXXX  account accuracy many MANY times with both equifax, XXXX, and XXXX  ( which handles their deliquent accounts ) and to no avail, have not had any success. Equifax CONTINUES to report XXXX XXXX XXXX as verified and correct when it is in fact incorrecct. I pulled my account today and now it reads as CHARGE OFF when it is PAID AND SETTLED. How can something be paid and settled but be a charge off at the same time? Furthermore, Equifax continues to commit fraud as they are not actually reaching out to confirm if the amounts, date of last payment, and status of the account is correct. How can they report something today but I spoke with XXXX  TODAY and have attached transcript of our conversation staying that Equifax 's reporting is inaccurate and that it doesn't match the data that they have. THIS HAS CAUSED SEVERE EMOTIONAL DISTRESS AS I AM A SINGLE MOM TRYING TO FIX HER CREDIT AND GET MY CREDIT REPORT ACCURATE! It is against the law for credit bureaus to report information they know that is inaccurate. I have provided several emails from XXXX, true accord and they have not done anything to help. This needs to be fixed ASAP! I called XXXX today and had them send me confirmation showing my payment was paid on XX/XX/XXXX.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Received an email from Bank of America that a new checking account was opened. XXXX Banking Account with confirmation number XXXX. Account ends in XXXX. I did not open this account, someone immediately updated the email address and their fraud department is closed.
Consumer complaint received 2022-03-22
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: CURO Intermediate Holdings (IL)

The amount alleged owed {$7500.00}, on XX/XX/2014. I have contact and told this company this account is not mine and never has been. I asked them to send me proof that the account is mine with signature and they did not send me a response back very rude. I sent 5 letters to them asking for removal of unauthorized account
Consumer complaint received 2021-06-15
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: AMERICAN EXPRESS COMPANY (NY)

I did not authorize inquiries for this companies, I have never sign writen authorization. Inquiries have no permissible purpose. 
XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 Amex XX/XX/2020
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

PayPal refused to refund me after I was scammed. I'm a XXXX adult. I'm cognitively impaired and autistic, and I also have XXXX XXXX. Sadly this is the second time I've been scammed and they never help me. A woman contacted me and offered me financial help. Of course I accept, but later she said that I had to send her {$50.00} via PayPal to verify my account. I didn't doubt her and I don't understand fee 's so I said ok and sent her the money. Then she chatted with me for a while and tried to convince me to send her more. She told me to put it in friends and family so that I didn't have to pay even more. I believed her and I was scammed. I have screen shots and I shared them, but nothing happened.
Consumer complaint received 2022-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights. 

Account name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights. 

Account name : XXXX XXXX, Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-03-22
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: Global Lending Services LLC (IL)

The amount alleged owed {$7500.00}, on XX/XX/2014. I have contact and told this company this account is not mine and never has been. I asked them to send me proof that the account is mine with signature and they did not send me a response back very XXXX. I sent XXXX letters to them asking for removal of unauthorized account