davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Convergent Resources, Inc. (CA)

XXXX XXXX, XXXX has sent me a communication to collect a debt without disclosing that they are a debt collection company or that the communication was a means of attempt to collect a debt. 

Their business name itself is deceptive in nature, and the communication is crafted in a manner that addresses urgency, whilst leaving the nature of the communication unknown. I almost thought the communication may have been a Job offer until the document asked me for the last 4 digits of my SSN. 

This is their email, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear XXXX We wanted to get you this letter as quickly as possible and having your email of XXXX on file we thought you would appreciate receiving it in an email. If you do not want to receive communications from us via email please use the unsubscribe link below. 

In an effort to maintain your security, we have encrypted your attached eNotice.

To open your encrypted eNotice : 1. Double click on the secure PDF attachment or click this link.

2. When prompted, enter the last 4 digits of your social security number for your password.

* Please note the above attachment link will expire in 90 days of receiving this message.

If you are not the intended recipient, please unsubscribe by clicking on the link at the bottom of this communication.

If you have any questions about your secured eNotice or need assistance, please contact us.

Sincerely, XXXX XXXX XXXX XXXX .
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CapitalOne charged me a fee for a secured card when I opened my account in XXXX. I paid the fees with funds from my XXXX checking account. CapitalOne informed me a few weeks ago my status was changed from secure to unsecured as a credit card holder with CapitalOne Bank. However, CapitalOne did not refund the fees charged to my checking account and instead, placed the fee on the CapitalOne credit card. And CapitalOne has not refunded me the XXXX interest on the fee charged.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} ; XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$280.00} ; XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX Balance : {$680.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX SC XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This account is inaccurate XXXX XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment History, Payment Status shows " Paid as Agreed '' but in XXXX appears " 60 Days Late '' and an FCRA violation. Please remove this inaccurate account from my credit report.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

" XXXX is the only official site explicitly directed by Federal law... '' XXXX XXXX XXXX sent me a FALSE ( if not fraudulent ) copy of my Equifax Credit Report today XXXX XXXX, 2017.
According to the representation of XXXX, my Equifax Credit Report says my Debt-to-Credit Ratio on my mortgage is 89 %.
I contacted Equifax. Equifax. The agent states that they do not have such a ratio figure in their system, that they do not have information on my " credit limit '' on my mortgage, and therefore they CAN NOT and COULD NOT report such a Ratio to XXXX. ( My mortgager says the ratio is 21.5 % ) Equifax has sent me an official Credit Report to prove to my satisfaction that such a figure was not and COULD NOT be computed from the data they provided to XXXX.
Because I was sent a credit report under Equifax 's letterhead, I have to believe that XXXX data may be fraudulently representing Equifax data.
( FYI- it took 49 minutes to reach an Equifax agent by phone )
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (IL)

I have a Synchrony Credit card with XXXX XXXX XXXX.. .the account is current and I 've made payments every month on time. 

I used the card to purchase furniture for XXXX XXXX interest for a promotional period. Every month I made payments, my payments were not allocated to the promotional balance that matured first, rather it was split equally among the balances. 

While I was able to afford to pay the balance necessary to ensure I was not hit with the deferred interest.. .I do n't think others are necessarily in my position to do so and can be hit with sizable deferred interest bills.
Consumer complaint received 2019-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

A purchase through XXXX with funds moved by PayPal. Customer purchased camera for XXXX and paid through PayPal. Customer filed complaint after receiving, saying didn't get item. Then stated misleading information to XXXX on transaction. Claim denied. Then opened case with PayPal saying he received rock, was asked to file police report and would not, I told PayPal and XXXX I would accept return if boxed properly and insured. Customer claimed he could or would not. Customer filed claim with Post Office on insured items. I sent affidavit to both companies showing proof of shipment and packing. Then customer filed with bank/credit card company? and i was notified PayPal would represent me and should not be a problem as he lost two previous cases. PayPal did not send any rebuttal information to bank on dispute from me only showed where customer signed for box. Charges reversed at the end of this 2 to 3 month back and forth correspondence. Customer never returned item, And truth and lending law violation as never worked it out with me and did not return items. PayPal refuses to disclose vital information to pursue legal remedies. Monies withdrawn from my account and item never returned.
Consumer complaint received 2017-10-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC (WV)

I have never been contacted by One Advantage LLC regarding this debt. I would like full verification and not just my address verified. I want proof this debt is mine, an itemized statement of charges, all payments from insurance, dates of insurance payments and denials. Plus I want the HIPPA form sent to me. I want proof that I signed giving the original creditor the right to release my information to any 3rd party especially since this is medical related and violation of HIPPA could be involved. 

This needs to be removed from my XXXX credit report immediately while verification is being done.
Consumer complaint received 2017-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affiliated Acceptance Corporation (GA)

I signed a contract with a local health club when I was XXXX XXXX XXXX. My mother immediately called and sent a copy of my birth certificate. The account was to be closed and I never used the membership. It has been 4 years and I found out this debt is on my credit report. I called the company and they stated that the debt was valid.
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (GA)

XXXX XXXX is selling deceptive information to XXXX and Experian in which they are publishing it on my consumer report. This allege debt has not been validated as belonging to me and I have received no notice of my right to dispute this debt before it was placed on my consumer report. I would like the evidence that has been used to validate this debt as belonging to me.
Consumer complaint received 2017-10-04
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. (PA)

Dear Transunion File Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how its affecting my ability to work etc. 

Sincerely,
Consumer complaint received 2024-03-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: POM Recoveries, Inc. (NY)

I was seen at XXXX XX/XX/XXXX. 

Insurance company finalized a claim on XX/XX/XXXX indicating that the patient responsibility on this claim was {$75.00}. 

XXXX  continued to bill me. The {$75.00} was paid ; I made a SECOND payment ( in error! ) thinking that I still owed the bill. XXXX  confirmed on the phone ( and via statement ) that XXXX payments for {$75.00} were received. 

Numerous verbal confirmations with XXXX  billing department that they 1. sent this to collections in error, and 2. owed me {$75.00}. They claimed that this would be refunded and they would remove me from collections. 

The collection agency continues to call and today ( XX/XX/XXXX ) verbally said they verified that the debt ( {$75.00} ) is supposedly still owed. 

I have made over a dozen calls to both the collections agency as well as XXXX  trying to resolve this. Nothing has worked. 

I have PHYSICALLY gone to the local office that I was seen at and they brushed me off stating that they can not help me, and that I need to contact the phone number for billing. 

The collection agency in question is POM : https : //pomr.com/
Consumer complaint received 2021-09-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (NM)

I tried to initiate a wire to a contrctor that is doing remodeling for me. I tried sending a wire Thursday XX/XX/21 for XXXX. The bank called and said they did not have my DOB despite personal and business banking with them for 22 years. They then put a fraud alert on my account. I initiated the same wire the next day and sent them my drivers license. THe branch then called and said I had to provide the DOB and SS # of the contractor which I do not have. I cancelled both the wires verbally and written. The banks XXXX  department will not release the cancelled wire until I provide the DOB of the contractor although the money was sent to his LLC. I dont have the contractors DOB. I have spent countless hours on the phone with the wire department, the branch, and I have emailed the bank president to no avail. The bank has been holding the money of this cancelled wire for over a week and has stopped communicating with me. They have essentially stolen my money and are treating me like a criminal. I desperately need an ombudsman to help me with this bank, BBVA Compass. I have also now accrured NSFs. I have asked the bank to reimburse me for these and to write letters to companies that received bounced money stating that this was a bank error.
Consumer complaint received 2021-07-05
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: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. The information listed below which appears on my credit report does not relate to any transactions that I have made. It is the result of identity theft. 

1.XXXX XXXX  account # XXXX {$700.00} ( XXXX ) Ive never done business with this company or entered into a signed contract. This account is fraudulent. 

2. XXXX XXXX XXXX account # XXXX {$920.00}. ( XXXX ) Ive never done business with this company or entered into a signed contract with this company. This account is fraudulent. 

The following inquiries are fraudulent 1. XXXX XXXX/XXXX/XXXX 2XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6.XXXX XXXX  XX/XX/XXXX 7. XXXX XXXXXX/XX/XXXX 8. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11.XXXX  XX/XX/XXXX 12. XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-25
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (CO)

This company has made XXXX attempts at contact, but even after it's been removed from disputing for this very reason, they've added to my credit reports again but I STILL haven't heard anything. I have not received phone calls or mail, so have not been given the chance to even ask for verification of debt or provided any rights notifications, but it was just re-added to my XXXX and has been on XXXX for some time ( I suspect they've reported to XXXX it just hasn't shown yet )
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a Merrill Lynch Signature Visa credit card holder. The account was opened in XXXX. Merrill Lynch is now part of XXXX XXXX XXXX. My account is now under a debt collections lawyer. 

I called Merrill to ask for the original credit card agreement in XXXX. They kept forwarding me to different departments. I think the interest rate is wrong and want to see what was in the agreement as well as other terms and conditions. 

Can you help me get the Merrill Lynch Signature Visa credit card agreement in XXXX? 

Thank you for your time.
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I applied for a Merrill Lynch credit card on XX/XX/XXXX and was approved on XX/XX/XXXX. I was supposed to receive XXXX points after spending {$3000.00} in the first three months. You can use XXXX points to buy an air ticket up to {$1000.00}. After I spent {$2900.00} in the first month, the bank decided to cancel my card without any warning or any explanation. I called on XX/XX/XXXX, and  was informed that my account might be reopened if I go to a financial center and bring two pieces of ID and proof of income to be faxed to that department. I went yesterday to XXXX and talked to XXXX XXXX. I brought 4 different forms of ID : my DL, my " green card '', my social security card, my XXXX trusted traveler card. I also brought my marriage certificate, and two years of my tax return transcript downloaded from the IRS. On XX/XX/XXXX, that office has informed us that they had received no fax, and I had to go again. Later on XX/XX/XXXX, I received a call telling me that they were unable to verify my identity. The manager XXXX XXXX told me that their system can not verify my identity and my account will remain closed. I have accounts with at least 5 other banks and none of them ever questioned my identity. I believe that they created this excuse to deny my signup bonus. They refused to tell me what it wrong with my documents and made me feel as if I am a thief. I believe that they selected me because of my XXXX last name. My husband, who is not XXXX, opened the same type of account earlier this year and they gave him the bonus without ever questioning his identity.
Consumer complaint received 2024-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (TX)

I bought a used XXXX XXXX XXXX in XXXX of XXXX the price was XXXX I put XXXX down on it! T he problem is i think they charged me over XXXX in taxes and fees! i paid it off XXXX XXXX XXXX and it was XXXX after paying XXXX a month for over XXXX  months i know the original loan was XXXX and something! i should of only had XXXX plus tax to be financed awful high interest!!!! company Westlake Financial
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

XXXX. XXXX XXXX- reported late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amex/Citibank- reported late payments on XX/XX/XXXX 15 U.S.C 1666 ( b ) - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE. 

12 CFR. 1026.13 ( d ) ( 2 ) - Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.

They are in violation of my privacy rights per the Privacy Act of 1974.

It is illegal to report transaction history therefore reporting inquiries and any transaction history with a financial institution is illegal. All inquiries being reported are to be DELETED from this report as it is illegal.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NE)

On XX/XX/XXXX I received an invoice from GM Financial for a vehicle I traded in on or about XX/XX/XXXX. The vehicle in question was a single-pay lease so I had no monthly or outstanding payments. The statement date on the invoice is XX/XX/XXXX and is for {$430.00}. Upon receiving this invoice on XXXX  XX/XX/XXXX, I was suspicious of its validity as I was unaware of any outstanding balance, so on XX/XX/XXXX I elected to take the invoice to the dealership where I traded the vehicle and inquire about its validity. The dealership alerted me it was likely a " disposition fee '' and therefore was likely a valid bill. Upon receiving this information, I intended to call GM Financial on XXXX XX/XX/XXXX, and inquire about the reason for the outstanding balance and if valid, make payment. Much to my dismay, I received a credit alert on XXXX  XX/XX/XXXX that my credit score had decreased by XXXX points due to this surprise and questionable bill " being 30 days past due. '' This practice is outrageous and must be corrected. I received no prior invoice, phone call, email, etc... regarding this bill. The invoice date is only 12 days ago, and I received this bill only 3 days ago.
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Monterey Financial Services LLC (UT)

On XX/XX/XXXX an account with the name of XXXX XXXX showed up my XXXX  XXXX  on XXXX  Credit Report with a tradeline of {$12000.00}. It said, this account has been active for 6 months. I had an account with XXXX XXXX  and I had it cancelled right after I signed up for it back in XXXX. Now all of a sudden, I got an account showed up, that I never signed up for with Monterey Fin or XXXX. I got an email from XXXX that my account has been reported to bureaus. The account I had cancelled with XXXX and never agreed to signed up with Monterey Fin Or XXXX. I want this account off my credit report, I never agree to any of their terms or ask for it to show up on my credit. It is fraudulent.
Consumer complaint received 2017-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Two checks for repairs were issued by insurance company to customer. Both checks were made out to the customer and the repair facility. The bank allowed the customer to cash both checks with only the customer 's endorsement. Now the customer refuses to pay the balance of the repairs.