davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated (MO)

The debt collection agency told me I owed {$4200.00} ( around that amount to my doctors office ). That amount lined up approximately with my portal amount. I reached out directly to the debt collection agency to settle the amount. They said if I could pay {$3800.00} out of my checking account today they would settle the debt. I said okay. 

When I went to my doctors appointment today they were like do you want to be put on a payment plan? I was like what I just paid the debt collections agency in full. Long story short the debt collections agency lied about the amount owed and falsely lead me to believe my account was settled. When in fact my doctors office only sent {$3700.00} to collections and the rest were made up fees of approx {$500.00}. I paid the bill as soon as I got it in the mail and from the checking account. They falsely claimed the fees were funds I owed to XXXX for medical bills. When I learned of this she was rude and said there was nothing I could do this was paid. 






CACi XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2022-02-16
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. (IN)

It is for my XXXX XXXX card that is now closed but should be in good standing I made very payment on time and this is hindering my life as Im trying to get a house I have tried to fix this with XXXX XXXX XXXXhey said I had to contact the credit companies and I have been disputing the late payments for years and they cant even tell me how this is accurate or prove that they reached out to the creditor
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I have tried for several years to access my Equifax credit report from XXXX XXXX and I can not pass ore screen
questions. 1. I dont have mortgage 2.dont have auto loan 3.dont know amount of said auto loan 4.no bank account with those shown.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

I went to Chase Bank in XXXX XXXX to open a business bank account on XX/XX/year> and banker XXXX XXXX approved the account and open it with a deposit of {$550.00} and on XX/XX/year> Chase Bank send me a letter and said some suppitous activity on my account when I did not even have any control of my account. I was never sent a debit card or have access to my account. They denied my account because of illegal activity by the bank and not based on my credit worthiness. They locked my account and refused to tell me why my account was closed even after I requested the information and they said it was a private matter and said they did not have to tell me anything.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Experian and XXXX is furnishing illegal late payments XXXX XXXX XX/XX/23 & XX/XX/23 from XXXX XXXX XXXX  account XXXX. 

Late payments are excluded from Consumer Files on open end Consumer accounts
Consumer complaint received 2017-06-20
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 (TX)

XXXX and Wells Fargo keep messing up my credit report. They keep launching a investigation every 30 days on the same problem. For 2 months now we have disputed incorrect information regarding Wells Fargo dealer services. The account and car was charged off over 3 years ago. And we have already been through this process with Wells Fargo and even had the CFPB involved years ago.As they violated collection practices. And they continue to report inaccurate information. At first it was a XXXX $ balance as it should be. But they kept reporting late payments for over 3 years after the charge off. Now they went back and fixed the late payments report. But now they say are reporting a balance of XXXX $ on the report. They keep making us wait 30days and its the same account. It has been close to 60 days since this was first reported. And It has been over 30 days. XXXX call center is in the a different country and we ca n't get anywhere with them. This Wells Fargo needs to report XXXX $ balance and no late payments for the last 3 years since charged off. It is hurting the credit and we have enough
Consumer complaint received 2018-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

They keep blocking my debit cards, all of a sudden when I try using my debit cards to pay for something they decline, and the bank does n't even send me a text or an email to make sure everything is okay, and I 'm force to use other sources of payment when I should be using my own money, when I talk to them on the phone they tell me they are protection my money, when what they are actually doing is leaving me stranded without access to my money. Have try to resolve the issue several times, but keep happening over and over again. 
( In they beginning told me it was because I was trying to use them out of state and should set an travel alert in their web site, but it happens even within my city )
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NV)

Experien credit reporting agency failed to update my credit score in the past 6 months. They failed to update credit report in past six months per consumer request as well. The law reads non compliance is a - {$1000.00}. Fine. RSVP- thank you.
Consumer complaint received 2017-11-08
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. (NY)

I disputed an account that shows closed by credit grantor to correct it as closed by consumer and I sent documents proving it however The credit bureau still showing closed by grantor.
Consumer complaint received 2018-01-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: North State Acceptance, LLC (NC)

North State Acceptance is reporting a fraudulently obtained account that I 've disputed and have sent paperwork of the fraud. Please help me resolve this matter quickly. This is a violation of my rights as a identity theft victim and I 'm tired of the damages being caused because of the reporting.
Consumer complaint received 2018-01-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: DISCOVER BANK (PA)

XXXX XXXX XXXX is suing me in a state I no longer live in, represented by XXXX, XXXX, XXXX XXXX, XXXX. I was unable to appear in court in XXXX, IL, as I live several states away in XXXX, PA. I notified the lawyer of the change of address and they continued to pursue legal action, knowing that if I did not appear in court, they would receive a judgement against me. I have not received any mailings since moving and am only aware of updates to the case via the court lookup website.
Consumer complaint received 2018-01-16
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (OH)

I purchased a XXXX XXXX XXXX Order from XXXX in XXXX, Ohio in late XXXX XXXX 2017. It was for a vacation rental in XXXX SC. The amount was for {$570.00} and was sent to an individual. This woman then deposited it into her Wells Fargo account. On the morning that I was to drive to SC I received an email with a screen shot from Wells Fargo stating that the funds were withdrawn from her account because the money order was determined altered / fictitious. My reservation was cancelled and I did not go. 
XXXX claims no responsibility. The woman claims no responsibility ( it seems she did not get her money ). Wells Fargo will not talk to me as it is her account. However I paid XXXX XXXX to investigate this and they said the funds were paid to Wells Fargo. 
I hold Wells Fargo accountable and want my money returned either to me or to XXXX XXXX so they can refund me.
Consumer complaint received 2017-06-20
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)

Equifax and XXXX XXXX keep messing up my credit report. They keep launching a investigation every 30 days on the same problem. For 2 months now we have disputed incorrect information regarding XXXX XXXX XXXX XXXX. The account and car was charged off over 3 years ago. And we have already been through this process with XXXX XXXX and even had the CFPB involved years ago.As they violated collection practices. And they continue to report inaccurate information. At first it was a XXXX $ balance as it should be. But they kept reporting late payments for over 3 years after the charge off. Now they went back and fixed the late payments report. But now they say are reporting a balance of XXXX $ on the report. They keep making us wait 30days and its the same account. It has been close to 60 days since this was first reported. And It has been over 30 days. Equifax call center is in the a different country and we ca n't get anywhere with them. This XXXX XXXX needs to report XXXX $ balance and no late payments for the last 3 years since charged off. It is hurting the credit and we have enough
Consumer complaint received 2017-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc. (AZ)

NAR INC is reporting on my credit report fo r    XXXX   XXXX   XXXX   XXXX  . I 've contacted NAR and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
Consumer complaint received 2019-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BHFC Financial Services INC (CA)

XX/XX/2019 I called BHFC Financial, the company financing my vehicle asking for my balance on my auto loan. After 15 months, the manager said {$11000.00} and some change. After knowing how much I purchased the vehicle for, {$13.00}, XXXX and my monthly payments being {$390.00}, I ask him to help me understand. He didn't want to, instead, he loud talked me, over talked me, avoided my questions and told me that if I didn't understand, I could call back and he'll explain it. He then hung up in my face. Something isn't sitting correctly with me and I am asking for help.
Consumer complaint received 2017-06-20
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: DISCOVER BANK (CA)

On XXXX/XXXX/2017, I discovered an XXXX charge on Discover online statement for a membership. XXXX had contacted me for months stating that the credit card on my account with them was no good. But, I did not sign up for any membership. And, since they do not have my credit card number to charge to, I did not bother to respond to their emails. Out of my surprise, XXXX was able to charge on my Discover credit card. Here 's my problem with Discover -- why would Discover give XXXX my credit card number? I did not give authorization for XXXX to charge my credit card. In fact, they did not have my credit card. But, Discover gave it to them and let them charge me. Discover should not have approved the charges. It was not an authorized charge. XXXX had this marketing tactic that was forced onto me. I called Discover and asked them to freeze my account so that no one can charge, but the representative did not do that. The representative asked me to call XXXX -- to find their phone number and try to settle it with them. I should not have to do anything if Discover did not share my credit card number with XXXX.
Consumer complaint received 2019-10-21
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. (AL)

i have contacted all the credit agencies and sent them certified validation of debt letters twice in the last 5 months and they have not provided nor delete the account XXXX XXXX XXXX from my report, i have never had an account with that company, i have never signed or received any services from this place, this information needs to be deleted from my credit report immediately.
Consumer complaint received 2017-06-20
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: Total Card, Inc. (MD)

On XX/XX/XXXX I submitted documents stating that XXXX accounts had fraudulently been opened in my name. I submitted rental lease agreements showing I did not live in the address. Tax documents. Identification documents. and a FTC affidavit for the identity theft. I contacted the company 2 weeks later and they showed no record. Resent documents on XX/XX/XXXX. called 2 weeks later. Was told by a representative that they would get a supervisor to pull my documents as the dispute had not been recorded or processed even though it had received documents. Called today X/XX/17 and was told that someone had attempted to keep the account open therefore I was being held liable for the account. This is an outrage. I did not open the account. I did not authorize the account. I did not use the account. I had never attempted to open the account and the first time I contacted someone was on XXXX. I am being held liable for an account that the identification documents do not even match!! My FTC affidavit and police report and address verification documents should be proof enough that this account IS NOT MINE. Next step is hiring an attorney. I have requested they cease collection activity. they did not. I requested in writing documentation pertaining to the person who opened the account and application details. They did not provide it to me. I has now been over 45 days.
Consumer complaint received 2023-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners (IL)

I have received notification from XXXX XXXX XXXX that I owed medical debt from XX/XX/2017. The information in the letter I received contained misspellings of my name and referred to an ambulance company in XXXX ( a state I have never visited/been ). After researching the company and calling their customer service number, I learned that the information they have on me is incorrect and requested that they file a dispute. The company had reported this debt collection effort and I learned that it has affected my online credit score significantly The company requested I file a police report, however, the police department informed me that I can not file a police report if there was no financial harm/stolen property. The company then proceeded to send me more information about the debt to which I still can not file a police report. 

I have requested that the company allow me to dispute the debt but that has not happened as of today.
Consumer complaint received 2017-06-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: New Century Financial Services, Inc. (NJ)

On the date of XXXX/XXXX/17 I received a notice that I was being sued for unpaid Amount of {$620.00}. This company has not contacted me by phone at all before receiving documents that I am being sued. I contacted the company to request a complaint form. Also I requested to see signed documents by me that details my promise to repay the fore mentioned debt of {$620.00}. When speaking to person representing the company they couldnt provide a definitive origin of the {$620.00} debt. But they did provide a date that my signature was made promising repayment of debt. The company said they would send me a complaint form and a signed contract between me and the company fore mentioned. I do not believe that I owe an amount of {$620.00}
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

There are XXXX collections on my credit report that were previously deleted with XXXX XXXX XXXX  and now they appeared again. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Both of these collection accounts were already deleted per the Fair Credit REporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2017-07-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (NY)

I have been communicating w this firm For a while they were notified that my mom XXXX XXXX passed away X/XX/17 the original creditor has copies of her death certificate. They sent summonses and then later after I spoke w them and told them she passed I was sent a letter of discontinuance in the mail. And was told no further communication would follow and that was it. Today I got a letter in the mail that the lawsuit was filed against my mom in XXXX civil Court
Consumer complaint received 2017-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (PA)

At the time I purchased my XXXX, I was n't aware that I had identity theft committed on me. In XXXX XXXX my payoff was {$14000.00}, Interest of {$89.00} and monthly payments of {$350.00} for 72 months. When I was made aware and had investigations done which proved I was no liable for any of the delinquents on my credit, I contacted Santander when I was told by FTC and IRS, and other credit card companies to contact my car loan and explain to them that fraud was committed at the time they had ran my credit because the credit they ran was not the factual number but based on many delinquents which caused a 20.4 % interest rate on my loan. I was told by two " managers '' they would definitely re-run my credit and I would be retro 'd back. I called again, and got someone who told me whoever told me that, lied and they do n't offer those. I explained my fraud situation, sent them a police report, ftc affidavit, and still nothing. I called again around XXXX, explained that my interest now is up to {$270.00} and a 15 months later, I owe them {$14000.00} and how is that possible when my payments are {$350.00} after paying them to date {$5300.00}. My current ESTIMATED payoff amount as of XXXX XXXX is {$13000.00}. This means {$820.00} was applied to my principal of my original balance due and {$4400.00} was accrued for interest. The gentleman then told me nothing he can do and hung up. I recently received a 90 day delinquent on my car which I was never 90 days late. It made my finally cleaned credit from the initial fraud go down over 100pts. I put a dispute in to XXXX and just today received a Ceased and Desist letter from Santander stating they have put in my request to not be contacted ( I never put in a request to not contact me ) and that they have the right to come and repo my car. This got me nervous especially with the recent District Law Suits going on in Delaware and other states with fraud charges on interest as well as people 's car 's being repo 'd even when they were n't late with payments. I am so upset that It took me an entire year to clear up the fraud that the CFPB has helped me so much with those credit card complaints I had put in that I am seriously hoping you can help me in this situation. I am a victim again of false fee charges. I will never pay this car off considering after 15 months, I only paid {$820.00} and the rest in fees. Please help me! I have XXXX kids, I am going through a divorce, my soon ex committed fraud and I was cleared from it and now my credit is ruined again because of Santander and they are really doing shady activity especially with this Cease letter I got that I never stated to them not to contact me. Ironically too, I am locked out of my online Santander account and can not reset my password. This is absolute awful consumer service on what they are doing.
Consumer complaint received 2017-06-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MI)

In XXXX XXXX, my Grandfather passed away. Leaving a mortgage held by Ocwen Loan Servicing. Family members were unaware of this mortgage. Last payment was made on this account in XXXX XXXX. When my mother became aware of the debt she contacted Ocwen, explained the situation, and over the course of the next few years she applied for a modification at least 4 times. Each time the application was denied for various technicalities. Also during this period, Ocwen refused to accept payments. My brother attempted the modification process with Ocwen as well, he too was denied. Finally, i began working with Ocwen around XXXX to try to resolve the matter. My credit score and resources are sufficient to go purchase a home on the open market, so I presumed that this should be satisfactory to Ocwen as I sought to assume responsibility for this mortgage on property that has been in my family for 4 generations now.
I was denied twice. Once for paperwork. A " family transfer '' document was required. Interestingly, in all of the previous processes that I and my family members went through, this document was never presented.
I was denied a second time, and the reason was not given. I simply " did not meet requirements '' I inquired about the possibility of a short sale, and Ocwen indicated that any short sale would need to equal no less than approx. 70K ... While the principal bal is only XXXX, and the total bal XXXX with all the taxes fees, foreclosure fees they have continued to add over the years.