davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TRUIST FINANCIAL CORPORATION (GA)

Have tried 3 times to apply for COVID-19 payment forebearance through the app, an error message popped up saying unable, try again later. I have called but nobody will get on the phone to help me. My husband is furloughed and we are unable to keep up on our bills.
Consumer complaint received 2023-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC (NH)

Please refer to detail of previous complaint that was referred to the FTC XXXX. This is a XXXX XXXX  hospital stay that is being handled through a XXXX XXXXr and no covid related XXXX, as stated at intake and all funds disbursed by the XXXX for the XXXX XXXX since have not been applied. The stay was at the 'beginning ' of the covid pandemic, testing and protocols we're not as they were today, I was sXXXX  from other XXXX XXXX, issued XXXX of the first nose tests... etc... the funding for COVID was very fluid with the XXXX  at the time and I believe this bill went internally through the billing process and was either XXXX XXXX  was not applied as a result, or an internal billing issue never flagged it for follow up. There is an additional account for a smaller balance with the same debt collector, date of service in XXXX of the same year, however I do not recall which was the overnight stay, I am assuming it was on the XXXX date of service due to the amount of the bill. 

Given the extreme amount of the bill, the lack or detailed explanation ( i.e. the overcomplicating of the bookkeeping and fbilling process with the XXXX ) My request for a detailed billing, that showed the applicable covid payments received by the hospital from the government reflected against the account, has not to date been received. This is not a valid debt and any attempt to place into my XXXX XXXX  or with a court action or attorney is the result of possible mis application of the federal monies to the hospital, and possibly warrant a lager invesitigaion as /i 'm sure there are others experiencing the same random collection letters from date of service during that time frame. 


The debt collector, XXXX ; XXXX XXXX XXXX ; XXXX, OH XXXX ; Account XXXX ; XXXX XXXX ; XXXX XXXX Account # XXXX ; XXXX this bit XX/XX/2020 ; ( there is a second bill XXXX XXXX ) Since XXXX XXXX is involved, and reflection in my account has not been shown with the application of those moines towards my XXXX XXXX care, I would assume this would be a priority.
Consumer complaint received 2020-07-18
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)

Please investigate and delete disputed items that are listed on my consumer credit report : Accounts XXXX XXXX XXXX. XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-07-18
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)

Please investigate and delete disputed items that are listed on my consumer credit report : Accounts XXXX XXXX XXXX. XXXX XXXX XXXXXXXX
Consumer complaint received 2018-06-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NEW WORLD COLLECTIONS, INC. (IN)

I sent a certified letter dated XX/XX/XXXX to the collection agency New World Collections which they signed for on XX/XX/XXXX to Validate, Dispute, Cease and Desist. They responded with a letter dated XX/XX/XXXX with copies of my itemized medical bill with what I was treated for, the date and how much. Not only did they violate HIPPA privacy laws they also failed to provide me with the original contract bearing my signature that states I owe New Worlds Collections the alleged amount owed. I replied again with another certified letter dated XX/XX/XXXX which again they signed for on XX/XX/XXXX. They failed to reply back and have filed a law suit to garnish my wages. I found out I was being taken to court through a commercial lawyer letter dated XX/XX/XXXX. I have kept a very detailed file that will show our communication back and fourth. They also have the creditors address listed as my old residence.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (CA)

Have numerous chat communication as a live person is hard to get. I had opened this acct as I was having issues with unauthorized access and thought this linked with phone would be secure. I had lost my orig card issue ending in XXXX, the replacement received XXXX. During the lost card replacement I had used the virtual card for first time and not even that much. I had noticed that when attached to a service such as XXXXXXXX XXXX it uses a different number? Or perhaps that the situation of knowing my acct has unauth access? 
As I had my phone stolen when card was lost, I had added a temp num for use and then switched it back having only one number. Now I am missing deposits and check dep from Treasury were not the same as I had in hand. Rejected and I'm missing money, I do believe I have another acct that's not attached? And I think they have given access to another with no permission. As fingerprinting is used to access acct, I think they need to get this checked, as well as the phone being used. I have never owned a XXXX, just for info I share, And it's been a good minute since I have had a decent phone so XXXX has been my most current use. 
Anyhow, I had tried to find a lost dep and get answers on transactions that are made no where near me, for rooms I have no location for. I had contacted the parent bank and they had no acct listed either. Now, my sav and ch acct both drained and I'm locked out, the verification of card, pH, add don't match my pH at all. I had written it down and still have no access I want the statements for all accts sent to me and card number info, if virtual or hard was used. I think the statements I get to print show more trans than I do, and even the monthly total expenses doesn't add up. So I want a clear statement and list of acct and an audit to find out where the funds are being filtered to
Consumer complaint received 2018-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

I set up internet service with XXXX XXXX XXXX and they shipped me some wires in the mail to connect to a modem in order for me to have internet. When I talked with the sales consultant on the phone they did not inform me that I would have to purchase my own modem. The same day that the package from XXXX XXXX XXXX arrived I opened it and realized that I could not connect the internet and use it because I did not have a modem. I promptly called XXXX XXXX XXXX to tell them not to connect my service because I didn't have a modem and didn't want to buy one. They said ok, my service setup was cancelled and I would not receive a bill. Now I received 2 bills for XXXX . I have called XXXX XXXX XXXX numerous times and each time I speak with someone they tell me that the account will be adjusted to reflect the cancellation of service setup and I wont owe that money. Well this hasn't happened, despite me calling 3 different times and speaking to 3 different people! I have been referred to a collection agency called Diversified Consultants,  Inc. My Account number there is XXXX. # XXXX. I am very frustrated as this agency will not work with me. I don't know what to do, or how to actually speak with a person at XXXX XXXX XXXX who will resolve this for me. Please help and tell me what to do to resolve this or act on my behalf. Thank you for your time in reviewing my complaint.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

In XX/XX/XXXX, I refinanced a home loan held by Cardinal Financial. The loan was supposed to close on XX/XX/XXXX. I assumed that it had closed, however on XX/XX/XXXX I was contacted by my loan officer with some distressing news. He stated that Cardinal Financial had rejected the payoff wire from my title company. The reason Cardinal Financial gave was that they were waiting for a check to be returned from my tax collector. I had paid the property tax on XX/XX/XXXX and Cardinal Financial sent a duplicate check from my escrow account on XX/XX/XXXX. This created a " shortage '' in my escrow account. 

Cardinal Financial stated that they attempted to contact me " multiple times '' between XX/XX/XXXX XX/XX/XXXX prior to sending the wire back and rejecting the payoff funds. I have NO RECORD of any voicemail or email message from Cardinal Financial during that period. In their letter ( attached ) dated XX/XX/XXXX, they claim that they don't have a verified email address for me on file. Given the fact that they held a mortgage on my property since XX/XX/XXXX, this is both ludicrous and beyond belief. 

Cardinal Financial also claims in their letter that when they received the initial payoff funds, they contacted my title company who requested they " hold the funds until the shortage was received. '' I discussed the matter with XXXX XXXX and they state that no one on their team spoke with any representative from XXXX XXXX between XX/XX/XXXX XXXX date of disbursement ) and XX/XX/XXXX when Cardinal Financial returned the wire to XXXX XXXX. Furthermore, Cardinal Financial doesn't specify in the attached letter who they spoke with at the title company ( there are only 5 people on the team ). XXXX XXXX states that they would not have stated to hold the funds until the shortage was received. And obviously, XXXX would have reached out to me before XX/XX/XXXX if they had been awareof the situation. 

This whole situation has been extremely stressful and costly. I ended up paying an additional {$1500.00} in interest due to a situation that I had no knowledge of and that could have been handled without a delay of nearly a month. 

I am hoping you can provide a speedy resolution to this appalling situation. 

Enclosures : My email sent to Cardinal Financial on XX/XX/XXXX ( scan2 and 3 ) Response from Cardinal Financial dated XX/XX/XXXX ( scan 1 ) Thank you, XXXX XXXX
Consumer complaint received 2018-06-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andrews & Cox, P.C. (IN)

I sent a certified letter dated XX/XX/XXXX to the collection agency XXXX XXXX XXXX which they signed for on XX/XX/XXXX to Validate, Dispute, Cease and Desist. They responded with a letter dated XX/XX/XXXX with copies of my itemized medical bill with what I was treated for, the date and how much. Not only did they violate HIPPA privacy laws they also failed to provide me with the original contract bearing my signature that states I owe XXXX XXXX XXXX the alleged amount owed. I replied again with another certified letter dated XX/XX/XXXX which again they signed for on XX/XX/XXXX. They failed to reply back and have filed a law suit to garnish my wages. I found out I was being taken to court through a commercial lawyer letter dated XX/XX/XXXX. I have kept a very detailed file that will show our communication back and fourth. They also have the creditors address listed as my old residence.
Consumer complaint received 2022-09-12
Product: Checking or savings account — 
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (CT)

Hello : I am based in XXXX XXXX People 's Bank has been recently bought out by M & T based in NY . During the change over to M & T, my line of credit was closed with Peoples Bank which is now creating a lower credit score. I'm hoping that this can be amended so that my credit score can move back up. 

I look forward to your reply.
Consumer complaint received 2022-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I was a victim of idenity theft, I also sent letters to XXXX notifying this of this and also asking for clarity about this alledged debt. They have now gave this acoount to another agency Jefferson Capital System, which now they are reporting erroneous informaton on my consumer report.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this report because I applied for a XXXX credit card today XX/XX/2020 and I was not approved because I guess there are two accounts in negative standing on my credit. The accounts are from XXXX XXXX & XXXX XXXX. Those accounts are not mine ; I never opened them and I did not allow anyone to open them in my name. I do not have any written/verbal contract with either of those companies nor did I gain anything such as money, goods, services or any other benefit from these accounts and I never contributed to any payments made towards those accounts. I have already filed a police report regarding these unauthorized accounts.
Consumer complaint received 2018-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (DE)

On XX/XX/XXXX, i was told by a Comenity bank representative that i am eligible for the 60 month hardship program and I had to pay {$110.00} and to call back to complete the enrollment, because due to their new system, the billing cycle had to process another month. She said she would notate the file and to call back on XX/XX/XXXX or XX/XX/XXXX to complete the enrollment. I called back XX/XX/XXXX and the representative at that time, said I was given the wrong information and i was transferred to payment resolutions and was told to call back on XX/XX/XXXX or XX/XX/XXXX to complete the enrollment. I called back today XX/XX/XXXX and they said i was told wrong information again and I can not enroll unless i make more payments. 

I tried to do this same program back in XX/XX/XXXX ( paid ) approx {$100.00} and had the same issues, i get told different information each time I call and I am not enrolled in the program. In the meantime, I am accruing late fee 's. i am not disputing i owe this debt, I just want the program the offered.
Consumer complaint received 2018-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (VA)

Company is XXXX XXXX. I have three store cards with this company ( XXXX XXXX XXXX, XXXX, and XXXX ). On XX/XX/XXXX, I made payments on each of these accounts. The next day, all three accounts were frozen. I have gone back and forth with XXXX with reps from each store card about this. I've sent emails and and called. They're telling me that my account is frozen as a fraud prevention measure because I made a payment. And that once the payment posts, my available credit will be restored. The payments posted to my accounts and cleared my bank on XX/XX/XXXX and my accounts are still frozen as of today, XX/XX/XXXX It makes no sense that a company would freeze your accounts simply for making a payment to your account. And the company is just giving me the runaround. I've had all 3 of these cards for several years and have always made my payments on time each month. There is no reason for them to freeze my accounts.
Consumer complaint received 2020-07-18
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)

Please investigate and delete disputed items that are listed on my consumer credit report : Accounts XXXX XXXX XXXX. XXXX XXXX  XXXX
Consumer complaint received 2020-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (IN)

I purchased my vehicle in XX/XX/2019 with Prestige as the lender. My wife and I were fully taken advantage of as we were in the middle of a bankruptcy and needed a reliable vehicle. I have been making on time payments on this vehicle for almost a year. I have paid in XXXX and only XXXX has been applied towards my principal. That means over 75 % of my payments are being misallocated, and that is an illegal practice. I want my payments to be retroactively and appropriately allocated to where only 19.24 % is allocated to interest and the rest is put towards my principal. I know that what is being done is illegal, and I am looking at my legal options.
Consumer complaint received 2020-07-18
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)

Please investigate and delete disputed items that are listed on my consumer credit report : XXXX XXXX XXXX account XXXX
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

I, acted, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, and lastly XX/XX/XXXX, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes XXXX ( XXXX ) ( h ). 
If you, American Express Company adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to XXXX ( XXXX ) ( XXXX ). You should be aware that your reason for denial and discrimination per ECOA are unlawful and illegal. 
I am aware that you American Express Company, are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions. 
Let it be known that I am ready to litigate this matter for discrimination against my good faith in exercising my rights ECOA 15 USC 1691.
Consumer complaint received 2021-04-24
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: WELLS FARGO & COMPANY (TX)

I have a credit card with Wells Fargo Bank, Last month I cancelled the credit card and close the account related to this credit card because I have lost the card. After one month there is a rental cars agency company called XXXX have the information for my old credit account number because I rented a car from them. I got in to a car accident and was hospitalized for about 15 days. My insurance company XXXX should take care of the charges related to this vehicle because the car was totaled. After one one month which is today XX/XX/2021 I was surprised with charged made by bank Wells Fargo and the beneficiary was XXXX rental car amounted {$2700.00} and the illegal action that was done by Wells Fargo they authorized the transaction and made it through after the fact I cancelled my credit card a month go. Additionally, my bank authorized the transaction and back dated to XX/XX/2021. It's illegal for them to charge a credit card that is already cancelled and closed. I want my money back because they broke the law and regulations and charge a closed account {$2700.00} to XXXX. All phone calls are recorded between me and the bank so I know I am protected XXXX percent. I want my money back
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

My bank mailed Comenity - XXXX XXXX XXXX XXXX XXXX check number XXXX on XX/XX/22 and XXXX from Comenity ( ID XXXX ) said they still haven't received it and how would I like to make the past due minimum payment of {$160.00}. I said I'm not past due and that I send XXXX XXXX monthly payments and this is the second time Comenity said I didn't mail a payment. I have good credit and this has become a monthly job calling them which is ridiculous. They actually cashed a previous check and deposited it in a Bank of America account and asked me to prove that I made the payment. So here we go again. Yes, I have proof that my bank sent the payment. I asked to speak with a supervisor XXXX XXXX XXXX. I asked for an email address so I can have proof of all this going back and forth and nonsense. There is no email or direct number. This company has no accountability whatsoever. She only provided me with a XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I said what happened with my automatic payment that was setup on XX/XX/22? She said let me check. No, you didn't set up automatic billing. I said yes, I did. I even have an email confirmation and I was afraid the check and automatic billing would cross and I would have {$600.00} coming out of my account. She said you could set that up now and you can write a letter to the XXXX XXXX XXXX : your prior check. I have absolutely no problems with my other credit cards and believe this is one big scam to hit me with late fees and high interest rates after the introductory period passes. I have proof of everything. 

Thank you, XXXX XXXX