davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (FL)

XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX # XXXX, XXXX, FL This company is threatening me through Credit Management LP to create a debt collection, I received a call from an agent that works for Credit Management called XXXX XXXX, asking me for confidential information, the debt was from XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX # XXXX, XXXX, FL - For services provided on XX/XX/2021 - When I called the collection agency to find out why I received this, they told me that XXXXXXXX XXXX XXXX XXXX sent me an invoice three times and they never received payment. I NEVER ONCE RECEIVED ANY INVOICE FROM THIS COMPANY. Upon further investigation, I found out that this company never even attempted to file a claim with my insurance company. I have made a payment through Credit Management LP but it is still showing as pending. I need this company to STOP charging me for services not rendered, to STOP threatening me through Credit Management LP to affect my credit, and to STOP asking me for confidential information over the phone. I hope to solve this problem.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

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. 

XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX : # 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 2024-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (SC)

Through Venmo I transferred? XXXX and XXXX in XXXX transactions on XXXX day. The funds were then transferred to a unauthorized account without our permission. Below is a picture of the XXXX XXXX account they were made to. 
Venmo has a phone number which just steers you back to their robotic question page.
Consumer complaint received 2016-05-18
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP (PA)

Currently, I have a VISA credit card with XXXX based here in PA. Today, I called to check on my APR. I was shocked, saddened and angered to realize that my APR went from 12.99 % up to over XXXX percent. After speaking to a senior customer service rep, I was troubled by this unfortunate experience. In a nutshell, I called back in XX/XX/2015 to seek a lower APR. The issuer ( XXXX ) put me on a six month promotional rate due to my good credit rating and long standing history with Fulton Bank. Today, I found out that my rate shot up to 18 percent as the promotional rate changed. Here is my issue -- the issuer never provided me notice of the promotional term changing. As a result, I had no real-time info other than looking at my statement to realize something changed on the APR. This is absolutely unacceptable and totally over the edge for credit card companies to get away with. I would like a full investigation launched into this practice. Additionally, I would like to see regulations adopted that require credit card companies to provide 30-60-90 notices on these promotional rate changes. I can only imagine how many consumers are being impacted by this practice. My conversation today was alarming as the service rep basically said it 's your responsibility to read your bill -- end of story. I agree with that but why NOT require a back-end notification on the promotional rate changes.
Consumer complaint received 2018-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

COMPLAINT I am the court-appointed executor of the estate of my XXXX year old Mother 's boyfriend of 35 years, who passed away XX/XX/2018. 
The amount in question : {$86000.00}. 
Investment Firm refusing to release the funds : CapitalOne Investing. 
Beginning XX/XX/XXXX, I have submitted ALL of CapitalOne Investing required paperwork and have done everything they have asked me to do, but as of XX/XX/XXXX, NOTHING has happened. 
This included death certificates, letters of testamentary, notarized court documents appointing me as executor, Affidavit of Domicile, medallion signature guarantee " Transfer Assets Between Accounts '' and the name of my first pet. 
What's in my wallet? It certainly isn't CapOne. 
*XX/XX/XXXX CapOne Investing sent a letter outlining information I needed to provide them. 
*XX/XX/XXXX Having not heard, I sent a letter to CapOne *XX/XX/XXXX, I called CapOne and was told " Somebody should have responded to you '', and that they needed additional forms which they emailed and faxed to them the same day. I was told I would hear back by XX/XX/XXXX. 
*XX/XX/XXXX Having not heard, I called. " You first need to set up an account with XXXX as all accounts are being rolled over to them. I completed that process XX/XX/XXXX and have an active account but no funds. 
XX/XX/XXXX Having not heard, I emailed the " Customer service team '' and reiterated " Per CapOne 's direction, I was instructed to open up an account and have the funds transferred into the new account with XXXX. I HAVE done that, but XXXX contacted me Friday, XX/XX/XXXX and they said I have a XXXX balance and they " have no idea when the CapOne accounts are being transferred over ''. 
XX/XX/XXXX Having not heard, I called CapOne today. On my first call, after giving my account number CapOne ( or me? ) discontinued call, so I immediately called back. I was then told that ALL documents were received XX/XX/XXXX, but they could not explain why I could not access the funds, but that they would check with their operations team and I should hear back within 48 hours.
Consumer complaint received 2022-03-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I was taken advantage of several laws were being broken under the fcra by your company this is causing financial injury, defamation if character I can't apply for credit under theses crisis can't uptain credit. Credit report not accurate with XXXX
Consumer complaint received 2018-05-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (SC)

XXXX called me on my cell phone and left a voicemail saying they were " returning my call regarding student loan forgiveness. '' They called on XX/XX/XXXX and XX/XX/XXXX in the afternoon. I called the number suggested : XXXX on the XX/XX/XXXX at XXXX XXXX, since I had recently inquired about the teacher loan forgiveness program to my loan service provider. 
I called and was transferred to XXXX XXXX of the National Student Aid Care program who said he could help me register for the Public Service Loan Forgiveness Program until I could qualify for the XXXX  Loan Forgiveness Program. He knew about both programs extensively, my exact loan amount, my interest amount, how many loans I had, my current monthly payment, and that I had recently come off of income-driven repayment. 
He asked to verify my identification by sending a 6 digit code to my email address, so I went to that email ( which he knew ) and read him the code that was sent. I later realized that email was a request to reset my password on my Federal Student Aid account. He changed my password after the phone call. He asked about my address, income, family size, mom 's number and address, aunt 's number and address, and many charming, personal questions. He sounded very knowledgeable and helpful. 
He said he could get my loan down to $ XXXX/month for 4 months and then $ XXXX/month for 120 months until my loan would then be forgiven if I had served as a teacher for that time. The monthly payment would change as my family size did. Interest would also not accrue during this period. He said he needed an account and routing number from my bank to have on file until I could get him my mom 's new account info. He knew what bank I was a member of. 
It was not until I was in the midst of signing and reading an e-contract sent to me that I realized the {$790.00} of the first four payments would go to him and his company, not my loan balance. Then, when asked if I could talk to my mother before finishing signing, he said I should go ahead and sign because I could cancel the program at any time. 
I was not comfortable with this, looked up the number, and realized it had to be a scam. 
I have filed complaints with the Federal Student Aid program, report this to my loan service provider, frozen my bank accounts, changed my Federal Student Aid information, added a verbal password to my loan account, and put an initial fraud alert through XXXX. I will also contact my local police and see if any further steps need to be taken. 
Please DO NOT hesitate to contact me for further information. I have all of the supposed addresses/numbers/faxes of the company/man, and I have the emails he sent to me.
Consumer complaint received 2022-03-07
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 — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Toyota has not reported my account to the credit bureaus, i went to XXXX Toyota dealership to trade my current car, but surprisingly when they ran my credit, this account didn't appear on my credit report. i called the credit bureaus and they confirmed that this account does not exist on any credit report. so i called Toyota Finance and i was asked to send them a formal letter. i did. also i have been calling them every other day to follow up on this case, but each time i had to repeat myself. seems they kept ignoring my request to my right to have a 100 % accurate credit report. i requested them to report this account to the credit bureaus so it appears on my credit file. Please i need this account to be reported to my credit report.
Consumer complaint received 2022-03-07
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. (DE)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

LATE CLOSE and CHARGE OFF ACCOUNT : XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : 1,500.00
Consumer complaint received 2019-03-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (NE)

In 2017 I was having trouble making my mortgage payments due to a job change - I was making less money than before. I was behind on payments and the company suggested loss mitigation. At the time my loan balance was {$110000.00}. My monthly payment was {$1000.00}. After several phone calls ( it is never easy to get ahold of anyone at this company ) I was able to complete the paperwork and submit it. When I got the " refinance '' back my payments were actually higher than before and they charged me approx {$5000.00} in fees so now my balance was {$120000.00}. I told them that the loss mitigation was not helpful at all but they said if I didn't do it I would be foreclosed on. I either had to come up with the past due balance ( which was now a few months behind ) or face foreclosure. I was never told at anytime that my payments would be more or that my balance would increase. I thought this was supposed to help me. Since then I've been struggling to keep up. They are never helpful or friendly to work with. It's difficult to see where my payments are being applied. They charge me for insurance when I already have my own and send out someone to inspect my house and charge me for it. However the person reports my house is abandoned. My partner was home when he came and he didn't knock or ring the doorbell and we had both cars in the driveway. Hardly abandoned! I'm tired of this mortgage company taking advantage of me. Surely what they are doing can't be legal.
Consumer complaint received 2018-05-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (IN)

I bank with Regions Bank. I made a mortgage payment on XX/XX/XXXX.  This was a Thursday. The payment became a pending transaction on I believe Saturday XX/XX/XXXX. The payment posted on Monday XX/XX/XXXX. Sometime there after, some small debit card transactions overdrafted my account, even though I opted out of overdraft protection. By opting out of overdraft protection, my debit card is supposed to decline transactions without an available balance. On Tuesday XX/XX/XXXX, I recieved an email about my account being overdrafted. On my lunch break at work, I drove to the bank and deposited XXXX dollars cash with a teller inside the bank which was enough to cover the XXXX dollars and some change negetive balance. The bank teller said she could not explain how my account became overdrafted because I opted out of overdraft protection. She also said I would incur no fees and asked about transactions related to my account, none of those transactions being my mortgage payment, im assuming because it had already posted. She gave me her card and told me to call her if there were any issues and that she did not think and was pretty positive Id incur no fees. She printed off my statement. So, on Wednesday XX/XX/XXXX, I checked my account to see my mortgage payment returned and a returned item fee for the returned transaction. That same day, I contacted my morgtage servicer and they had not recieved a returned payment notice. My mortgage servicer is XXXX XXXX XXXX. I find the timing of this to be very suspicious, as I am behind on my mortgage and have until XX/XX/XXXX to pay past due balance or the bank will start the forclosure process. Now, I dont know how to make my mortgage payment. I dont know if I should make 2 payments or 1. I dont if the my mortgage servicer will attempt to make that payment again and I will not have enough money in my account to make 3 mortgage payments in 2 transactions.
Consumer complaint received 2022-03-07
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. (MD)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-07
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. (MD)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2021 my mother XXXX XXXX passed away. For years she had a savings and checking account at XXXX XXXX XXXX ( XXXX ). She had told me many times that this was a joint account with me as the co-owner. On XX/XX/XXXX, two days after her passing, I contacted XXXX to inform them of her passing. There was approximately {$4000.00} between the two ( savings and checking ) accounts. Approximately two weeks later we had a reception after her funeral and I paid the cost of the event out of the checking account by writing a check. That check cleared with no issues. XXXX had sent me some forms to close the account but I had not yet made the decision to do so, therefore I did not return the forms. In the middle of XXXX ( over a month after my mother had passed ), I had a personal financial transaction with a friend and had her wire {$16000.00} into this account. By the end of XXXX  I had finally begun to organize my affairs and felt it was appropriate for me to close these two existing XXXX accounts so I reached out to XXXX. There hold times have been in excess of two hours so I left a message for a return call. At that time I was told there was a " hold '' placed on the account and that I was in fact NOT an owner on this account. Despite repeated inquires as to why the hold was not placed on the account until only after the money was wired in I have yet to receive a valid reason. The best they have offered was that they were " busy ''. For some reason the account was not suspended when I contacted them within days of my mother 's death, it was not suspended when I wrote a check to the facility for the funeral reception and it was not suspended when {$16000.00} was wired into the account. It was ONLY suspended after all those have occurred. After multiple attempts to get my money from this account I have now being informed that the ONLY way I can get this money out is to have the wire reversed by Bank of America or by releasing it to the estate of my mother. Sadly, my mother was of very meager means and there was no estate. XXXX is attempting to force me to get an attorney and create an estate for my mother to gain access to my personal funds. We have attempted to work with XXXX ( a complaint is also pending ) but Bank of America and XXXX seem to each be pointing fingers at each other regarding the reversal of the wire. We have been trying to get this wire reversed for months now and no one, at either location, seems at all interested in resolving this. It seems to be XXXX 's intent to just keep my money. The friend who sent the wire has tried and tried on her end to work with Bank of America but she is being told its XXXX. When I contact XXXX I am being told it is Bank of America. 

Both parties to this transaction wish this wire to be reversed. I can not comprehend why it has taken 4 months plus to have such a simple transaction completed.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

After paying my account in full according to comenity 's web payment. 
I was charged late fees. They will not stop applying fees and charges after I pay the balance in full. And they've reported late to my credit company for XXXX even though i paid my bill in full. 
XX/XX/2021 LATE FEE CREDIT- {$22.00} XX/XX/2021 XXXX XXXX XXXX- {$2.00} XX/XX/2021 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2021 XXXX XXXX XXXX {$0.00} XX/XX/2021 PAYMENT - THANK YOU - {$48.00} XX/XX/2021 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2021 XXXX XXXX  XXXX {$0.00} XX/XX/2021 LATE FEE {$22.00} XXXXMINIMUM INTEREST CHARGE {$2.00} XX/XX/2021 XXXX XXXX  XXXX {$0.00} XX/XX/2021 LATE FEE {$10.00} XX/XX/2021 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2021 XXXX XXXX XXXX {$0.00} XX/XX/2021 LATE FEE {$4.00} XX/XX/2021 XXXX XXXX  {$3.00} XX/XX/2021 XXXX XXXX {$0.00} XX/XX/2021 XXXX XXXX XXXX {$0.00} XX/XX/2021 PAYMENT - THANK YOU - {$250.00} XX/XX/2021 XXXX XXXX {$4.00} XX/XX/2021 XXXX XXXX {$0.00} XX/XX/2021 XXXX XXXX XXXX {$4.00} XX/XX/2021 LATE FEE {$29.00} XX/XX/2021 XXXX XXXX  XXXX {$4.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX {$200.00}
Consumer complaint received 2023-06-13
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX