davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (MI)

XXXX XXXX XXXX  a debt collection company in XXXX MI has continued to fraudulently attempt to collect a debt from XXXX XXXX in XXXX XXXX MI for the amount of {$68.00} stemming from a medical appointment in XX/XX/XXXX. The {$68.00} was paid directly to XXXX XXXX in XX/XX/XXXX. XXXX has continued to call and send collection letters for over a year despite XXXX XXXX informing them the debt was paid in full. I have also informed them multiple times that the amount was paid directly and no current balance remains. XX/XX/XXXX the {$68.00} was referred to XXXX  as a deragotary account despite a lack of evidence showing that this account is overdue or outstanding. Despite multiple contacts made by myself as well as XXXX  they continue to treat the debt as unpaid. They are using the deragatory report to XXXX  in an attempt to extort money from me without providing any valid paperwork showing the transfer of this debt to them or providing any statement or corespondence from XXXX XXXX showing the account being past due.
Consumer complaint received 2022-04-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

This complaint is related to the difficulty in obtaining a deferral agreement or modification agreement from Select Portfolio Servicing Inc and XXXX. I am in the process of refinancing with a new mortgage lender to avail of a lower rate. Everything was going well until I came across this problem with obtaining this specific document. I have contacted SPS multiple times since early XX/XX/XXXX. I was told to contact my former Mortgage lender XXXX  ( an entity of XXXX ) who originally issued this deferral. XXXX  sold my account to SPS in XXXX. I have contacted XXXX in hopes that they will be able to provide me this document, but to no avail. Both lenders denied that they have this document. Meanwhile, this back and forth process with these two companies, SPS and XXXX, caused my refinance to be put on a halt. As a result, I may lose my chance for a better rate. I am hoping that with your help I will get a much faster response and a positive outcome. Thanks.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

This is a follow-up complaint from my previous complaint, which was the third complaint at that time. 
My last complaint was XXXX. 
I wrote : This is my third complaint about Experian about this matter. Experian just keeps alleging litigation with no explanation. Experian has alleged current or pending litigation but has not provided a case number or any explanation. I know there is no pending litigation, so what was this past litigation? To what case do they refer? On what issue was this alleged prior litigation focused? What was the result of that litigation? Why does CFPB just accept what Experian says on the face of it and not explore for the actual truth? Experian has not explained anything, and yet the CFPB does nothing. Why is that? '' What did Experian do? Refused to address the complaint and then posed the same lame and vague excuse of litigation, without explaining as requested. What did the FCFPB do? Nothing just closed the complaint with no explanation from Experian. 

Experian must explain the litigation to which they refer. 
Otherwise, I can't address the situation. 
Experian refuses to explain anything and will not address the original complaint either. 
This is an unfair attempt by Experian to avoid their violations and my complaint. 

CFPB must not accommodate Experian in their hiding behind a murky unexplained excuse.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (KY)

I closed this account in XXXX due to lose of work and agreed to a string payment of XXXX dollars a month until paid off. I was notified 5 years later by phone that I had a pass due payment. Which I questioned at the time on the XXXX dollars a month until paid off. I was informed that their string payments can only go out five years, that it had gone past five years and now your responsible for the payment. I told her that it would of been nice to receive something in the mail, a phone call or something letting me know. I asked what was the remaining balance, she informed me that it was XXXX and some change. I paid the remaining balance off with the agreement with here that a late payment in XXXX would not be reported on my credit report, due to them not contacting me or sending out a statement. It still shows up as a late payment.
Consumer complaint received 2022-04-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc. (FL)

I tried to withdrawal approximately {$4300.00} usd on XX/XX/XXXX. After reaching out to determine why I am unable to, I was advised that fraudulent activity took place on my account. I was unaware of this and have yet to see any proof that there was fraudulent activity. The only digital currency I currently hold is XXXX. Crypto.com stated that there was a {$3500.00} transaction for XXXX. There are no eth funds in my accounts. Crypto.com is restricting me from accessing any of my funds. Even those that exceed the amount of {$3500.00}. I am requesting that this be further investigated. I have offered to supply statements showing that I did not make that transaction and do not feel it is legal for them to hold additional funds. 
As of XX/XX/XXXX, the company is asking me to reach out to a bank that I do not bank with. That bank will not provide me with any information for that reason. Crypto.com did not address the concerns of how they are allowed to keep my funds from me. They are keeping me from an asset that is not XXXX, nor is it the amount mentioned. There have been times my shib exceeded the value they are specifying and they still kept my funds from me and stealing my funds.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX - this collection has been attached to my credit report for 7 years now and they refuse to remove it though its exhausted the timeframe of removal
Consumer complaint received 2021-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IL)

Recently received an Escrow analysis report ( XX/XX/XXXX ) and it appears the column labeled as 'actual ' isn't accurate. They are listing an exaggerated amount for my 2nd installment of RE taxes due XXXX. I've communicated this ( via chat ) to lender-Flagstar, ( XX/XX/XXXX ) and they requested to provide a copy of that bill ( emailed to lender XXXX ). Based on this analysis report, my mortgage will be increased by more than 27 %. When I asked when this will be fixed, the representative assured me it'll be 5 business days. My next payment is due XX/XX/XXXX with the inflated estimate. 

I've also submitted an escrow waiver the same day given my qualifications. I've also, recently submitted a PMI waiver ( XXXX ) and have received noticed removal of PMI. Not sure if this prompted the lender to have an 'analysis ' of my escrow balance of which I obtain a balance as indicated by 'law ' of two mortgage amounts. 

This doesn't seem right that lenders send these ridiculous estimates that do not make sense, yet ready to change monthly mortgages immediately.
Consumer complaint received 2017-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (WA)

This debt is being reported by the credit bureaus as being owed by me. I have sent two letters - XXXX/XXXX/XXXX and XXXX/XXXX/XXXX - to this collection agency requesting verification that the debt ( {$3000.00} ) is mine, including my signature agreeing to this debt. This collection agency responded to the first letter saying, but not providing proof, that this is my debt. The second letter has not been responded to. I am requesting that since they can not provided indisputable proof ( my signature ) that this account be removed from my credit reports and that this collection agency cease and desist from trying to collect from me.
Consumer complaint received 2023-08-09
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. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2017-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (RI)

In XXXX XXXX, I noticed a significant increase in my credit card bill which I utilized for medical treatment. I am an XXXX XXXX service member and am struggling significantly with finances due to frequent combat deployments and military relocation. I have requested that Care Credit waive this nearly {$2000.00} interest fee, and they have opted not to respond. My family and I have served 13 years in the XXXX XXXX and have been devastated by exploitative civilian companies who prey on service members due to our lack of options with relocating. I have been abused, oppressed, and exploited by companies similar to Care Credit due to lack of options and being forced to relocate at the demand of the government.
Consumer complaint received 2017-08-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc. (CA)

I disputed this debt with the credit bureaus and directly with the collection agency via certified mail. At no time did I receive any documentation that legally verifies this debt. I have not even received correspondence from this company at all except for the original letter. Congress states that the only legal verification is the physical documentation that was filled out when this account was opened and this documentation was never sent to me. In addition, I 'm pretty certain that a company can not just state that the debt is mine, or else anyone can state that anyone owes them money. Where 's the proof and why ca n't this company produce it? I never stated it was identity theft, I never stated that it was n't mine. What I am stating is that I do not recall this debt and that I know my rights in regards to items reporting on my credit report : they must all be legally verified.
Consumer complaint received 2021-05-17
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. (LA)

SOMEONE IS PUTTING ACCOUNTS IN MY NAME AND I DO NOT KNOW IT IS. I HAD MY BOOKBAG STOLEN AT THE LOCAL AT THE LOCAL MALL A FEW YEARS BACK PLEASE.
Consumer complaint received 2022-04-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My wife and I have banked with Capital One since XXXX. We have a checking account and savings account that are joint accounts. We also have a XXXX XXXX account and a CD that are not joint accounts. We have tried for the last year to get Capital one to make sure that all of our accounts with their bank are set up as joint accounts just like our checking and savings account. For whatever reason and after numerous calls and hours spent on the phone with them, no one seems able to help us change these accounts to joint accounts. I have written to them and never received a reply. Just last week my wife spent over two hours on the telephone and spoke to various levels of customer service personnel and supervisors. But again with no results. My wife needs to be joint account holder on all of our Capital One accounts in case something was to happen to me for her to be able to access our funds at Capital One.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC. (CA)

This is a complaint again SoFi bank, I have had an checking and savings account with them for a year this month. On XX/XX/24 I received my paycheck via direct deposit in my account. I tried to pay a bill and it was denied, I checked XXXX 's app and my account to find my account was frozen. The wording was your account is being monitored for your protection and to call a number. I called the number given, I was asked to do an ID verification. While on the phone with the rep I did that via a link she sent, I submitted my Drivers License and did a face scan. She then sent it to the review dept but could not give me any idea when the review would be finished. I called each day since and this morning XX/XX/24 I was told when I called that the account was up for closure and I was not entitled to the funds in my acct. The funds that were there were from my paycheck and was in the amount of {$1600.00}. I was overdrawn by about {$40.00} when I got gas but the overdraft protection is for up to {$50.00}. That overdraft was taken care of with my paycheck leaving {$1500.00} in the account that they say I am not entitled to. They will not give me any reason why they won't send me the money via check after the account is closed. They won't let me speak to a supervisor or a manager and I have called at least 6 times today ( XX/XX/24 ) and they say that is all the info they can give me and they hang up. This is not legal as the money is from my paycheck and now I can't pay my rent or any of my bills and I'm in danger of being evicted now. I tried to see if the direct deposit could be reversed by the payroll dept of my employer XXXX but they said it won't work if the bank won't release the funds. If I've had an account closed before they have always mailed the funds left in the account to me with a check, so I know this is theft. I am out almost {$1600.00} and I would like help in forcing the bank to return my money to me. They wont even send me an email about the closure and XXXX of my paycheck.
Consumer complaint received 2022-10-15
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. (PA)

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 # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX 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 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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 2024-01-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (AZ)

On XX/XX/XXXX I requested a loan of {$3600.00} to pay off an automobile repair at XXXX XXXX in XXXX, Arizona with EasyPay Financial Services with the understanding that I would not be paying any interest on the loan if I paid off the entirety of the loan within 90 days of me opening up the loan. I have done this with XXXX other jewelry companies and have had no issues doing so. On XX/XX/XXXX I paid {$500.00}, and noticed that there was an interest charge of {$35.00} which I didn't think would be an issue because if I paid off the entirety of the loan within 90 days I still wouldn't be paying any interest. On XX/XX/XXXX I paid {$150.00}, and on XX/XX/XXXX I paid {$500.00} and when I checked to see what the balance was that was left, I noticed that the entire payment of {$150.00} went towards the interest only and of the {$500.00} I paid that {$70.00} went towards the interests. That is when I noticed that the loan was compounding interest from the very day that I took out the loan and had no intention of letting me have a 90 day grace period to not have any interest at all. When I looked closer at the fine details of the loan, the only thing mentioned was that there wouldn't be any " Finance '' charges for the first 90 days which in fact is a true statement as I didn't have any " Finance '' charges added to the loan and on XX/XX/XXXX I paid the entire rest of the balance of {$3000.00} so that I could end this ridiculous addition of interest each day and subsequently paid off an additional {$78.00} in interest for a total of over {$300.00} in interest for a loan that I took out only XXXX  month ago. That is {$150.00} + {$35.00} + {$70.00} + {$78.00} = {$320.00}. If I could get any of this back I would great appreciate it or add this to any future class action against EasyPay that will occur in the future like has already happend in Washington D.C. and Iowa.
Consumer complaint received 2022-04-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: WHEELS FINANCIAL GROUP, LLC. (WA)

On XX/XX/XXXX I was sick in the XXXX  and my family got kicked out of our home and had to find a new place within days and with myself hospitalized it was nearly impossible specially considering I had no income and currently wasn't working. I am a XXXX  mom of XXXX kids and no one would help me, I couldn't find a loan until I came across XXXX, I felt so rushed in having to fill out paperwork with a XXXX things going and not feeling good I just signed my name and didn't think twice about the interest rate because on the phone they said I would only encounter the normal fees for taking the loan out which they said was XXXX and the guy told me since my tax return was coming in I told him my plan would be to pay it off and he agreed and said yes you can pay off any amount on the loan even all .yet on XX/XX/XXXX I paid XXXX and only XXXX was applied to my loan and on the statement it does not show any interest they charged me and yet on XX/XX/XXXX I tried to pay XXXX thinking that my loan was for XXXX and was sent a statement in XXXX saying my balance was XXXX estimated before the first payment was paid on XX/XX/XXXX. But the website kept saying I've exceeded the monthly amount when I tried to pay XXXX so I kept lowering it until I got to XXXX which I paid and then got a statement with a new balance of XXXX so if it was XXXX prior and just paid XXXX that should be XXXX but it was XXXX again with no interest amount next to interest and nothing for any late days money collected XXXX. So how can they explain where this remaining amount went?? They couldn't when I called they said XXXX month that it went to interest for that month. How the heck can they legally charge me XXXX in XXXX month for interest? It made me cry because just in XXXX I went in and bought this car that they now have the title for and paid cash for it because I couldn't afford a car loan monthly. Then I found out their interest every year is XXXX percent and Washington has a cap on interest so how can they get away with robbing me. On the amount they want to collect from me is XXXX dollars on a XXXX loan, they mislead me on the phone and I feel like they took advantage of me for not knowing how any of that works not having done a loan before. Heard there was a lawsuit In California for same issue .what can I do?