davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Land Collections, Inc. (UT)

On XX/XX/XXXX I visited my doctor for a routine preventive care checkup. My insurance company, XXXX XXXX ( XXXX ), paid the covered claims for this visit on XX/XX/XXXX. Some charges were beyond XXXX coverage and I paid those in full by check. 

XXXX XXXX, my doctors medical group, began sending me a bill for {$230.00} starting XX/XX/XXXX for a preventive care charge XXXX paid 5 days later on XX/XX/XXXX. I received the bill each month and I returned it along with the Explanation of Benefits from XXXX showing that XXXX had already paid the {$230.00}. 

I called XXXX In XX/XX/XXXX to tell them what was happening. They sent a notice to XXXX XXXX stating they had paid the claim on XX/XX/XXXX. 

The bill kept coming. 

I called XXXX again in XX/XX/XXXX, and they sent a second notice to XXXX XXXX stating they had paid the claim. 

The bill kept coming. 

On XX/XX/XXXX I received a Request for Payment from Mountain Land Collections for this same bill, now at {$290.00}. 

On XX/XX/XXXX I sent a letter and copies of XXXX Proof of Payment to Mountain Land Collections, demonstrating that this bill had already been paid on XX/XX/XXXX. 

Now, Mountain Land Collections attorney, XXXX XXXX of XXXX XXXX, Utah, has called me several times since then. I sent them the same letter and copies of XXXX Proof of Payment. 

On XX/XX/XXXX, I received a Request for Payment from XXXX XXXX in behalf of Mountain Land Collections for this same bill.
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Klarna AB (FL)

Klarna continues to act as if they are not receiving my payments and adding reminder fees to my account. I have sent screenshots of payments that were sent from my bill pay account and the dates they were sent but they continue to act like they didnt receive the payments. In the last complaint I filed, they still denied the payments received. I have called them and emailed multiple times and they do not respond.
Consumer complaint received 2018-08-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Wallace Management Company, LLC (MO)

Second time I receive call at work from Manager caller ID says anonymous does not show company name only has happened the last two times previously I got call and caller ID said empire and listed phone number have not signed work authorization to receive calls at this job but I don't like getting anonymous calls at work from XXXX  at XXXX XXXX
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Information Bureau, Inc. (FL)

I submitted a complaint and asked for this collection agency to provide me with validation of debt. According to Section ( 609 ) of the Fair Credit Reporting Act. I can request documents that prove that this is my debt. This gives me protection of consumers against false and erroneous reporting. This collection agency sent me an in-house letter that provided dates of service that they stated I visited XXXX XXXX. I have no records or statements from the original creditor. I am submitting this complaint due to this company not sending any documents that prove this is indeed my debt. I would like the information provided by the original furnisher to your office.
Consumer complaint received 2018-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I've had a Capital One MasterCard for over a year now. I began with a {$300.00} credit limit. The first time that I requested an " online '' increase on XX/XX/17 resulted in a denial. The explanation provided didn't make any sense ( see attachment ). In XX/XX/XXXX, I submitted another " online '' request which resulted in a {$100.00} increase. I've made a majority of on-time payments on this credit card. I've always paid 3 - 10+ times more than the minimum monthly payment of {$25.00}. I've paid the card off in FULL several times. Despite all of this, I've never received an " automatic '' or promotional increase from Capital One. On today, I spoke with a representative by the name of XXXX with their Executive Resolution Department who was rude and defensive from the very beginning of the conversation. She didn't prove to be helpful at all. She even refused to let me speak with her supervisor.
Consumer complaint received 2022-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (KY)

On XXXX XXXX I signed up for Square because a customer wanted to pay by card, and I needed a processor. The {$540.00} payment came in and on the XXXX of XXXX Square deactivated my account, without explanation, and is now holding my funds for 90 days while they get to keep any interest earned. 
Their hold is arbitrary and capricious ; ample proof was given to validate the transaction, including the original itemized invoice ; after proof was provided the resolution time of 90 days is unwarranted, unethical, and borderline theft. 
I completed one transaction with Square, only one. I have done business with the customer many times before, outside of Square, without issue.
Consumer complaint received 2022-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (TX)

On XX/XX/XXXX, we received delinquent notices on our property taxes. They are escrowed in our mortgage payments with United Wholesale Mortgage and not properly being disbursed. Our escrow account keeps getting higher because the property taxes are not being paid. After going back and forth between XXXX XXXX, United Wholesale Mortgage, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX for over a month and getting no assistance from anyone we finally determined the parcel was not split and that is the reason they did not pay the property taxes for XXXX. The mortgage company only has our home and XXXX acre and the remaining XXXX acres we own. On XX/XX/XXXX the county determined they dropped the ball and did not file the deed to split the property at closing by mistake. XXXX at the XXXX XXXX XXXX XXXX corrected the problem by splitting the parcel into two accounts and providing new invoices waiving all P & I as long as the taxes were paid by XX/XX/XXXX since it was their fault. Once I received both tax invoices from the Appraisal District and Tax Office on XX/XX/XXXX I provided UWM with the new invoices and all of the details concerning the correction and deadline to pay. I have emailed them multiple times since asking when the funds would be disbursed with no response. Today XX/XX/XXXX, we received a letter from the county 's attorney stating the taxes have still not been paid. I have been advised to contact a lawyer and also file a complaint with CFPB to make sure the taxes get paid and UWM is responsible for all penalties and interest. We need assistance making United Wholesale Mortgage pay our delinquent XXXX property taxes and penalties and interest immediately please.
Consumer complaint received 2022-06-17
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)

I have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but Equifax and XXXX has not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.
Consumer complaint received 2018-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo texted me and advised my credit card had been compromised. They canceled my existing card and issued a new one. For four straight weeks they sent me a new credit card which then had to be canceled. At the end of this cycle on XX/XX/2018, {$20000.00} was removed from my checking account by XXXX XXXX XXXX  -- without authorization. Wells Fargo advised the two incidences were unrelated. In four days the funds were returned. When I asked for an explanation of the missing funds i.e. was this a theft or a mistake, I was told, " We don't know. '' When asked if they would/could find out, they replied no, " Wells Fargo will not pay to subpoena XXXX XXXX XXXX records. '' They persisted in this non-response and said I should subpoena the records myself. I contacted the CEO 's office which complied with the branch 's non-cooperation and indicated they would not contact law enforcement. When I asked if someone stole {$20000.00} from the bank at the point of a gun would they then contact law enforcement, they replied, " Yes but that is a different situation. '' It hardly seems unreasonable to me to get an explanation for a {$20000.00} theft/mistake but Wells Fargo is resolute in their unresponsiveness. This may be an industry standard and, if it is, it seems to profit Wells Fargo and XXXX XXXX XXXX  to the disadvantage of the customer.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. ()

I'm sure I did not add ( address ) to my credit report. 
I will assume at this point that is is a typo considering the lay out of a 10 key. 
( Address ) is NOT MY ADDRESS My address is ( Address ) I do not reside in XXXX XXXX I live in XXXX XXXX.
Consumer complaint received 2018-08-29
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: TD BANK US HOLDING COMPANY (CA)

A few months ago I noticed a charge on my XXXX card that was not authorized by me and it was done on my XXXX card from my cellular phone towards XXXX, a travel booking website. I have been having fraudulent issues which XXXX is aware of because I had to close all of my authozied user cards recently and reverse foreign transactions. When I noticed this travel booking I diputed it with XXXX but was not successful and was told I had to call my credit card company. Someone has hacked my emails, credit cards and telephone and was making nonchalent purchses to see if the card was working and open and then they would go ring it up at various webistes and stores. I am not sure what the fraud is or was but a lot of my crads have been compromised and all of my emails had to have new passwords set up. Our building has had endless mail theft and brake ins and my XXXX XXXX XXXX bills were also stolen, leading me to believe my cellphone was compromised and apps used on other devices tgatbused my login for XXXX. Who ever this is they have damaged my life for the past 8 months and XXXX is WELL aware of this and yet they have denied my refund! I am truly appaled at their horrible lack of sensitivity to my stress and ashamed that between the thousands I spend and pay back montgly they are refusing to believe me when I say my XXXX, mail and emails have been hacked as have my authorized user cards and apparently mine as well. We have police reports which I am happy to send but must obtain from our Homeowners associateion which can take weeks to mail out. Im just shocked at how awful XXXX and XXXX  are treating me! If my {$370.00} is not refunded I am prepared with all documents and prooof to sue XXXX and XXXX immeidtaley. Shame on them for all the stress they are putting me through I deserve far more! I am a loyal and great cutsomer and have fallen into the hands of thieves and they could care less. Also, the documents and evidence they have mailed me from XXXX are terrible and not legible at all! I have attached everything to this complaint. Please reprimand XXXX and XXXX and investigate their unfair and scandlous actions against me. I cant imagine thinking I have to pay this!
Consumer complaint received 2018-08-29
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. (UT)

Transunion is the only bureau reporting a couple erroneous collections that are not valid. THese were all paid by my insurance company and should have never been on credit. 

2 are for XXXX XXXX XXXX & XXXX & XXXX XXXX - XXXX I have previously disputed and filed complaints and nothing has been done.
Consumer complaint received 2021-09-15
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. (TX)

I have tried disputing these several times and cant get them removed. 
Three accounts reporting on my Equifax Credit Report that do not belong to me. XXXX XXXX XXXX / XXXX XXXX XXXX : {$2200.00}, {$340.00}, {$460.00}. Do not belong to me, never been to XXXX County. Tried to dispute these several time, have not had any luck getting them removed from my Report. Please get these account removed from my Equifax Report!
Consumer complaint received 2018-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (FL)

I received a promotional rate of 0 % interest for 12 months. However they are stating that it was only for 8 months. Which according to them should have been from from XX/XX/XXXX until XX/XX/XXXX. I have copies of statements showing interested charged in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX I received partial credit for previous month. So this adds up to a total 4.5 months of promotional rate. All of this is documented in copies of their statements.
Consumer complaint received 2018-08-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I'm quite disappointed with Nissan Motor Acceptance since they are reporting several lates on my credit report. Since I didn't feel these are accurate I requested statements of the months I was late perhaps payments were misapplied. The months i'm referring to is : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

In previous complaint XXXX, Ditech Financial apologized for its negligence in failing to obtain my authorization prior to restructuring my loan and increasing my monthly payment by over 10 % and stated the issue had been rectified. 

It has not. 

My monthly mortgage payment should be {$1100.00}, and it shows it was decreased from Approx. {$1600.00} to {$1200.00}. This did not return my account to its prior status, and Ditech did not fulfill its commitment to the XXXX as stated. 

In this complaint, I am seeking the following resolution : 1. For my account to be restored to its status prior to Ditech acting against my will 2. Ditech to rectify the claims made against me to the credit reporting agencies 3. Financial settlement on this claim. Ditech has failed to apply my payment to the lowest interest portion of my loan andninstead retained additional payments I made for over one year, which I understand violates their legal obligations. This decision, along with restructuring my loan, and the numerous complaints to seek resolution have caused me financial and emotional monetary loss. 

I await an immediate response from Ditech and resolution in-line with commitments made.
Consumer complaint received 2018-08-29
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo is the worst business ever. 
they put negative information about my account, that i am late 30 days i wasn't aware of the information. and i did a mistake for not noticing but they failed to inform me that there will be any negative on my report, they failed to contact me, through email, phone or mail this is my rights under FCRA, SCRA, i am XXXX XXXX XXXX " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. '' and " You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information. " they say they try to contact me many times, which never happen and they refuse to show me any email or mail letter to confirm they reached me or even phone log, i only received one letter to tell me i have negative payment going to the report i asked to show anything to verify they reached me personally, they refuse. 

my only problem, is their own collection department : -do n't care that i am SCRA -refuse to show that their information is verified -add more information without my consent on my report ( 30 days late, and note that i didn't like their investigation ) -delayed my process -never answer question -refuse to understand that sometimes accidents happen -acting like their system is 100 % error proof and no way that accident happen and i wasn't informed -refuse to work with any negotiation -refuse to minimize damage -failed to inform me with any issues so what is their job exactly?
Consumer complaint received 2018-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

I have reached out to the company for over a year now in reference to this issue and have been told on numerous occasions and by different individuals that either the error would be corrected or someone would give me a call back .. neither of which has happened. 

There is an Amount of {$510.00} that has shown on my Monthly Mortgage Statement under Total Fees and Charges for over a year now. It reduces my Monthly Amount Owed by that said amount, but I have been told that it is not a Credit. If it is in fact a Fee, what is the explanation of the fee and why does it " decrease '' my Monthly Payment vs. " Increasing '' my Monthly Payment. 

Please have this item corrected, so that my Monthly Statement can reflect a correct Amount Due.
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MD)

I had an XXXX XXXX/Synchrony Bank account that was paid in full and closed After sometime had past Synchrony Bank took upon their self to charge off an account that was already paid off and closed. 
I had several times in the past tried to solve this issue with Synchrony Bank, regarding my XXXX XXXX account. 
Approximately the week of XX/XX/2019 I received a check in the mail from Synchrony Bank regarding my XXXX XXXX account for {$140.00}. I reached out to Synchrony Bank regarding this check and they said this was a check for over payment on my XXXX XXXX account. The manager stated that the derogatory information will be removed from my Credit Bureau reports within a couple of weeks. At the past time the derogatory information is still lingering on my credit reports.
Consumer complaint received 2018-07-24
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)

Companies Involved : XXXX XXXX XXXX XXXX , XXXX. - Mt, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, TX XXXX On XX/XX/XXXX, someone used my identity, fraudulently, to purchase XXXX new phones in my name, under my existing wireless account. Since new phones were purchased, XXXX XXXX XXXX XXXX , XXXX. performed a hard inquiry into my credit, per policy when purchasing devices on a post-paid wireless account. 

After receiving electronic notice that my credit was checked, I immediately contacted XXXX XXXX XXXX 's Global Fraud department to report what happened. However, the Fraud group showed no record in the last 3-4 years of ever running my credit and that the check was not appearing under my name because the credit check did not include a credit reference number by which XXXX XXXX XXXX could find the record. 

Thus, XXXX XXXX XXXX can not remove the hard inquiry because they have no record of it. However, Equifax does show the credit inquiry and according to their " investigation '', the inquiry was " a factual record ''. XXXX XXXX XXXX has suggested I write to the office of the president ( of XXXX XXXX XXXX ) to get the matter resolved.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

I have a XXXX XXXX XXXX card. I make my payments timely every month. This month I sent a payment in the amount of {$10000.00} on XX/XX//23. The payment was due on XX/XX//23. My bank records indicate the payment was received by XXXX XXXX XX/XX/23. They have charged interest and a late fee and advised that I need to file a dispute when I called them. I also sent a proactive payment of {$2500.00} on XXXX/XXXX/23. This amount was not due, but I typically pay off my cards early to avoid interest fees. My bank records indicate that payment was received by XXXXComenity on XXXX/XXXX/23. They have not posted either payment to my account. Every month I have an issue with the timely posting of my payments with this credit card only. I always pay weeks in advance as my credit score will demonstrate, I pay my bills and I pay them timely. It almost feels like there is an unethical practice of holding back payments to assess additional fees ( interest, late payments ) by this company. 

Please assist as {$12000.00} is a large sum of money for me. The service at this credit card company has consistently been appalling. Every month this year, I have had to complain to them. I called in XXXX because I was concerned, they had not posted my payment and my bank indicated it was received by XXXXComenity two weeks prior. They finally posted the payment and did not charge fees. I called in XXXX because it looked like a flight I purchased was double charged to my account-they told me I need to file a dispute. It was clear I would not pay for the same flight twice! Luckily the airline handled it for me. This month, I have this issue. I do plan to close this account once this is resolved. There are too many other credit card companies that offer similar rewards to have to deal with this stress on a monthly basis.