davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-11
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capio Partners, LLC (FL)

To whom it may concern my name is XXXX XXXX and I am not a third party company. You are in violation of the HIPPA act and law. I am contacting you regards to an account that was placed and listen on my consumer report. First of all it is personal medical information that was placed on my consumer report. I didn't give anyone consent to place any of my personal medical information or share it with anyone other than myself. Without my written consent no person, or company have the right to do so. This is a criminal act and violation that you have committed and I have contacted the attorney general and FTC to let them know that your company is violating my privacy rights. You could be charged and this is a criminal act. This is my final attempt to resolve this matter and for this debt to be removed due to sharing my medical and personal information with a third party other than myself.
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (CA)

On XX/XX/XXXX, I filed a dispute for transactions that were not authorized by me to Netspend. All the transaction 's were done online and Netspend is refusing to do anything about it. I spoke with them on numerous occasions and every time I spoke to them they would not do anything to help. I spoke with them on XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. On the day of XX/XX/XXXX the 30th day of the dispute, I called to ask when the provisional credit would be applied to my card because they told me a provisional credit would be applied after 10 business days. The man told me that at XXXX. the system would update and that my credit would be on my card. He said he saw the credit and it was waiting for the system to update. By XXXX XXXX that night still no credit and I called them and they said my disputes were denied and that there was no error and they considered the matter closed. {$420.00} was taken from my account and they are refusing to do anything about it. I don't know what else to do. Please help.
Consumer complaint received 2015-08-06
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I was given a credit card increase twice on my card from {$300.00} to {$500.00} and just recently to {$1700.00}. My account was sold from HSBC card services to Capital One credit card. They have kept the interest rate from HSBC from 19.99 % to 20.79 %. I called on Monday XXXX XXXX, 2015 to ask could they lower the interest rate. The supervisor told me that she could not lower the interest rate because of the Prime that was going on. I explained to her if I am given a credit increase this must indicate that my credit should be good enough to lower the interest rate. When I send in a payment the interest and fees on the card are more than the payment. The minimum payment does not even help to pay down the balance because the interest on the card is so high.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I filed for Bankruptcy. I was discharged. Capital one is included in this discharge but it still shows on my credit report as a negative credit it says closed but is still on the report. Thus effecting my credit score.
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (TX)

Recently I was alerted by XXXX  that DRS was reporting account XXXX {$520.00} on my credit file. This account is fraudulent and is not mine. DRS has never contacted me about this account in which is required under FCRA laws. This account is fraudulent and is effecting me adversely.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

This collection company is saying i owe XXXX XXXX money. 

I have NEVER had an account with XXXX XXXX This is not my debt. This comes up every few years. I have been fighting this for YEARS>..
Consumer complaint received 2017-11-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (LA)

After reviewing my credit report I sent debt validation letter to this company ( Hunter Warfield ) they in turned sent me a bill for charges that should not be included in any statement balances claimed to be owed. The apartment received First and last month and all bills were paid until move out date. Notice was given and keys returned to XXXX upon move out. When asked for more details on how these charges were incurred I received no response. Ive sent out a second set of letter and have tried to have this deleted from my credit file and the company keeps saying verified but that is not true.
Consumer complaint received 2019-03-08
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. (CA)

XXXX and Transunion are reporting me as 120 days late on the XXXX XXXX XXXX XXXX account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the two bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Consumer complaint received 2017-01-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (OH)

I have reached out to Wells Fargo many times to try to reduce my monthly payment for my private student loans. They have reviewed my finances two times in the past two years and determined based on my gross income that I can afford the monthly payment. They do not even take into account the other student loans I have or my monthly living expenses. One time I was told that I should get my co-signer to pay if I ca n't pay. When I told the customer service representative that my co-signer could not pay, then he apologized and said he could not do anything for me. I asked to speak to his supervisor and he forwarded me on to the supervisor, who told me the exact same thing. One representative asked me if I could borrow money from another person to pay my loan payment. I called multiple times prior to falling behind on my loan payments, and they refused to work with me to reduce my payments. Every time they mention a deferment, they say that I need to make a payment to bring the loan current. When I tell them that I can not make a payment, they again bring up that my co-signer should be helping me make the payment, and say there is nothing they can do until I make a payment. They have offered to put me on a deferment but I need to make XXXX consecutive payments in order to get on the deferment. When I tell them that I absolutely can not make the payment, they again say that there is nothing they can do for me. They bounce me back and forth between different departments, and when I ask to speak to their supervisors, they will sometimes transfer me to a person or someone 's voicemail, and they will tell me the same thing. They have sent numerous threatening letters and call both myself and my co-signer often daily and say in the letters and phone calls that they have tried to get a hold of me. When I call them, they tell me the same exact thing-either that I will need to make some kind of payment to be put on a deferment, or that I do not qualify for a payment reduction/change in my payment plan. Every time I ask the representative what I should do since I can not make the payment, they say I 'm sorry, there is nothing else I can do for you. I applied for a consolidation loan and they declined me, although they keep suggesting that I apply for the consolidation loan every time I talk to a representative. They refuse to work with me-they offer options and then tell me I either have to make a payment or do not qualify for the options. They have offered no real, viable options to help me afford my monthly payments.
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NY)

All charges on my account from XX/XX/22 thru XX/XX/22 - 13 charges were not made by me. Company sent me emails asking to verify charges, I was unable to respond to that email so I called them. For two days at 2 hours per call and 4 more times with them assuring me matter being handled. I was assured I am not liable for fraudulent charges. They only disputed one item for {$15.00} and sent me a bill for {$300.00}. 
What do I do, I received new cards but did not activate them and will not. 
I also need to cancel this credit card account without penalty. 
I am on phone with them going thru the same wait and run around
Consumer complaint received 2021-07-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I have called my mortgage company several times in attempt to bring my account current I am the deed owner of my property and I am trying to take advantage of all the government options available to me in order to initiate a partial claim and push my past due payments to the end of the note when I purchased my house I purchased it with an ex-boyfriend 10 years ago but I am the deed owner to the property.I need assistance in finding ways to bring my account current I am not understanding why it requires his signature since I have no communication with him and I have been living in this property and handling all house payments for the past 10 years Im running out of options
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CO)

I tried reaching out to an old landlord who had me in eviction status since XXXX, No money is owed I called property and they said no records found it may be on the old system? Contact the collections company in which they could not provide the number too? 
On my rental credit report ( XXXX  ) DEFENDANT XXXX XXXX ADDRESSXXXX XXXX XXXX XXXX NC FILING DATEXX/XX/XXXX XXXX XXXX, XXXX JUDGEMENT AMOUNT NOTICE TYPESUMMARY PROCESS PLAINTIFFXXXX XXXX XXXX ( Ph. ( XXXX ) XXXX ) DISPOSITION*JUDGMENT-POSSESSION ONLY Also Fair Collections Outsourcing DEFENDANT XXXX XXXX ADDRESSXXXX XXXX XXXX XXXX NC FILING DATEXX/XX/XXXX XXXX XXXX, XXXX JUDGEMENT AMOUNT NOTICE TYPESUMMARY PROCESS PLAINTIFFXXXX XXXX XXXX  XXXX ( XXXX. ( XXXX ) XXXX ) DISPOSITION*JUDGMENT-POSSESSION ONLY 2 DEFENDANT XXXX XXXX ADDRESSXXXX XXXX XXXX XXXX NC FILING DATEXXXX XXXX XXXX, XXXX JUDGEMENT AMOUNT NOTICE TYPESUMMARY PROCESS PLAINTIFFXXXX  XXXX XXXX  XXXX ( XXXX. ( XXXX ) XXXX ) DISPOSITION*JUDGMENT-POSSESSION ONLY
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (AK)

US Bank charged {$280.00} in fees in interest past the {$500.00} of credit card debt. That is over XXXX XXXX of what is actually owed on the card. This should be illegal. It is wrong.
Consumer complaint received 2017-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C. (MN)

I received a notice on my credit score about a debt. I called Gurstel Lawfirm PC to ask them to send me written proof that the debt was mine. I have contacted them 3 times to try to get this information and still nothing. I am trying to purchase a home and need this off of my credit in order to do so.
Consumer complaint received 2017-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

I was charged an interest fee on one of my credit cards after I had paid the balance on that card in full, well before the payment due date. The terms for this credit card simply and clearly state that interest will not accrue for at least 25 days after the date of any charges being made on the card if they have not been paid in full. Having paid the balance in full well before the payment due date, there was no interest to accrue, and leave an interest charge, I called the customer service for my bank ( BOA ) and told them I did n't recognize the charge, and had paid my credit card in full well before the payment due date, and the customer service representative told me that they had reversed the charge on my account. Nevertheless, this should not have happened on their part in the first pace, and is no doubt happening to others on a large scale, as it is a large financial institution.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

Equifax is a most incompetent, unresponsive and obstinate organization. On XX/XX/2019, I wrote : Dear Ms. XXXX, As you know, I have written a number of letters with regards to your services. I just received confirmation # XXXX. In it, you re-iterate your mistake calling me XXXX XXXX XXXX XXXX, adding a suffix ( XXXX ) I have never used, and have no reason to use, as I have NO MALE children. 

I have sent them copies of passport, drivers license, social security card all with my name ; XXXX XXXX XXXX. In addition, all my financial information, e.g., bank accounts, credit cards and Trusts are under my name : XXXX XXXX XXXX. Yet, Equifax insist on adding a suffix to my name!!!. I am tired of dealing with them. Should I sue them for wasting my time writing letters?
Consumer complaint received 2017-11-25
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. (NY)

I sent in a complaint to XXXX and Experian credit reporting companies well over a month ago with a copy of my Identity theft police report, FCRA 605 B, my ID NYS Drivers Lic. utility bill, and a narrative of what was fraudulent on my report circled and spelled out what had happened and I want the items blocked from my report immediately, and that was well more then a month ago, as I sent them certified and they were returned to me XXXX XXXX and it is XXXX XXXX and just got a letter from XXXX XXXX that they need my id as they cant find my file, that is a lie they are stalling to correct my file and I want my file corrected now as I was a victim of id theft. I sent them all necessary paperwork and they are not following the regulations set forth by FCRA 605B that they are to block all info within 4 days or receiving dispute and they have dispute well over a month. I demand that my file is corrected immediately as XXXX and Experian was directed and FCRA 605 B states within 4 days ....
Consumer complaint received 2022-01-06
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. (TX)

With personal research of my own report and contact from different debt collectors the wrong name and addresses are being reported. According to 15 U.S.C 1681b ( a ) ( 3 ) ( a )
Consumer complaint received 2017-11-28
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA (CO)

XXXX XXXX XXXX / American Education Services ca n't provide documentation for private student loans they say I hold which I know now are not valid. These loans ( there are 2 ) originated in XX/XX/XXXX/XX/XX/XXXX and total {$85000.00} after " Interest ''. In my particular case, that is absurd. Additionally, once I discovered the error I tried all avenues to have all of the companies involved fix the issue and I stopped making monthly payments. Those payments were between $ XXXX a month. The struggle was real. Then, instead of helping me and taking responsibility, they charged off the loans to the Credit Agencies ( XXXX and XXXX XXXX ). 

I have all of the various items required for the fraud affidavit packet which I 've submitted multiple times. It includes a copy of the only document they have on file which is the promissory note, 7 copies of my real signature, a police report, etc. 

This does n't address how those companies were disgustingly generating and receiving interest. Out of the above payment I mentioned I used to make, there were many months where {$0.00} went to principle. 

I am writing this in hopes the CFPB audits my accounts with XXXX XXXX XXXX to help determine if I qualify for justice in this case. It is worth noting that during my time at XXXX XXXX and XXXX, for which i have not yet graduated due to issues relating to this issue, I also physically received unsubsidized and subsidized federal student loans through XXXX and the department of education. These, I consider my real loans, which currently total {$15000.00} and are paid up to date. Much more realistic, I 'm not a doctor.
Consumer complaint received 2024-05-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Safe Harbor Funding LLC (MA)

I got a loan thru this company. The first issue came when my bank account was hacked and I was able to reverse payment back to them but they were strong arming me into making a payment so I would have had to come up w the car payment three times in a week for them when it would just be three days for the reversal to post. They were on me every day about making my payment but did not inform me when they received the payment.. XX/XX/XXXX car payment is due XX/XX/XXXXXXXX XXXX XXXX XXXX  they repossess the car. Now I had been emailing and corrosponding with them and never once did they say the car was up for repossession in any email they told me I was driving the car too much and put too many miles on it they accused me of living someplace else because I have a sick dog so I spend a lot of time in a location they used all Of my gps info to make a case as to why they repoed my car they towed it over and hour away and told me they wouldnt work anything out with me and if I want the car I got ta pay the rest of the loan I cant get down there to clean out my car now that I have no transportation and wouldnt be able to pay the tow fee for an hour away now they will clean the car and resell it on a lot in mass and I unjustly lost a car I was paying on Im homeless and that was my dog and is shelter as well. The companys name is Auto Link XXXX XXXX XXXX wish I had an account number but I never even got that
Consumer complaint received 2022-12-14
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. (OK)

XXXX XXXX bank : Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 2024-02-19
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)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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
Consumer complaint received 2022-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pressler & Pressler, LLP (NJ)

This is a follow up response to CFPB complaint XXXX ( response from Pressler & Pressler ). I believe you all need to investigate any illegal attempts for these law firms and financial institutions illegally charging fees, obtaining charged off accounts. I am familiar with the ( Fair Credit Reporting Act ). XXXX XXXX is not the original creditor of whatever debt this is. I have no prior relationship with them. Therefore, I have requested a complete transaction history, previous payoffs, charge offs from prior creditors that might have had this debt. I have requested this information a few times. I have not received anything from the XXXX XXXX or their attorney 's. This leads me to become a bit suspicious of their activities. They should have this information. I want to see what the original balance was prior to them obtaining this debt they state is mine. I want to see if they've illegally charged fees on a charged off account. Per an attorney who gave me free legal advice they are supposed to provide the requested this information. Also, he stated they are not supposed to charged additional fees once an account has been charged off. Therefore, I would like to see/know if there were any illegal steps taken in obtaining this debt. I still don't know what the debt is for because I don't know who the original creditor is. Also, I am considering filing a complaint with whoever oversees the CFPB I see that there are several options to filing a complaint such as CFPB Ombudsman, Office of Inspector General, Counsel of Inspectors General on Integrity and efficiency and Council of Inspectors General on Financial Oversight.