davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (AZ)

Creditor , XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX was complained about in BBB Case # XXXX. According to XXXX XXXX, XXXX ext. XXXX, the creditor declined to engage in a dispute resolution procedure in XX/XX/XXXX. In XX/XX/XXXX, creditor forwarded one of their disputed accounts with me to CMRE ( account # XXXX ) located at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX. On XX/XX/XXXX, I emailed XXXX a summarization of dispute history -- requesting it drop XXXX XXXX XXXX account per its unethical administrative conduct. To review , XXXX XXXX XXXX ( ACCT.XXXX ) forwarded for collection my disputed balance owing to a variety of  outside agencies without regard for billing errors. My emails to CMRE received no reply, but collection calls continued. BBB 's complaint # XXXX was started in XXXX XXXX in order to address CMRE 's deliberate indifference about XXXX 's conduct. In reply to BBB,  CMRE sent statement of PT services dated XX/XX/XXXX. In email reply to it, I addressed their record as not at issue. The dispute, rather, was about XXXX 'S broken promise to provide " in network '' benefits for my XXXX " XXXX XXXX '' policy first discussed with its Insurance Benefits Supervisor, XXXX.Instead of addressing XXXX 's dodginess re : billing error ( an internal matter after reported services ), CMRE simply provided reference to activities occurring prior to dispute -- changing the subject. So CMRE perpetuated XXXX 's refusal to address original cause for concern and create false inference that balance reported owing was without question marks. On XX/XX/XXXX, CMRE sent another form letter without contact info or reference to materials it received this month demonstrating support for my position that XXXX 'S reused to provide a dispute resolution procedure to which I was entitled over a year ago. Please note that XXXX 's has more than one account number, but all it 's accounts for me remain in disputed status with respect for above.
Consumer complaint received 2017-06-19
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)

I have had a recurrent issue with getting a resolution regarding the inquiries on my credit report with the  Transunioncredit bure au. I have sent a notarized letter and have spoke with representatives on several occasions. There are hard inquiries on my credit report that I did not authorize and not aware of the company at all. The credit bureau has failed to properly investigate this issue and has sent me a generic letter stating that the inquiries are accurate but they have failed to send me proof of the accuracy. The inquiries that have been disputed and not resolved are the following :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX   XXXX  and  XXXX . I appreciate CFPB looking into this matter further.     Best Regards,  XXXX   XXXX
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IL)

I got a call from chime bank stating there was a fraud alert on my account XX/XX/2024. The agent told me I needed to accept conditions on the chime app to stop the fraud happening on my account providing me all my information from my name, email, address and account balance. Once I went to the app to accept the terms to stop the transaction before it happened and all of my money was taken from my account to transferred to another and the agent hung up on me. I called back and the agent informed me I was scammed and that I would INDEED get my money back and a few hours later they denied my claim and closed my dispute before I received the police report. This was not stopping the fraud activity but what the agent had me do was con me providing a fake agent number and name confirmed by the first chime agent who opened my dispute and insured me I would get my money back because they had been having a lot of chime customers getting scammed but they would get money back.
Consumer complaint received 2020-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (UT)

I sold an item on XXXX  ( # XXXX ) on XX/XX/20 and the buyer paid for it on the same day. Purchase amount of {$XXXX} + {$XXXX} shipping + {$XXXX} tax = {$XXXX} total. 
My Paypal Account showed {$XXXX}. This is the net amount after deducting {$XXXX} tax ( that XXXX said they would pay directly ) and {$XXXX} Paypal fee ( 3 % ). 

Later the same day, a refund request was submitted. When initiating the refund request, I was told by XXXX and Paypal that I did not have enough funds to process the request. I was confused because I did not pull any money out of my account. I've contacted customer service reps for both companies. XXXX 's reps told me to contact Paypal. Paypal redirected me to XXXX. Neither provided me with a reason as to why the refund was being denied. It was very frustrating trying to sort this out. I had to do quite a bit of digging and research, and finally found out via an XXXX  community forum, that a few months ago, PayPal decided to change its policy regarding fees charged. 

When a refund transaction happens, they WILL NOT refund their fees of 3 %. This is the reason why my refund request didn't go through, because now I had to come up with the {$XXXX} Paypal fee to fully refund the buyer. This appears to be a very unethical practice by XXXX  and Paypal ( as they are under the same ownership ). 

I hope they change their policy regarding their fees. It would make it more fair for the buyers and the sellers.
Consumer complaint received 2017-06-19
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)

I have had a recurrent issue with getting a resolution regarding the inquiries on my credit report with the Equifax credit bureau. I have sent a notarized letter and have spoke with representatives on several occasions. There are hard inquiries on my credit report that I did not authorize and not aware of the company at all. The credit bureau has failed to properly investigate this issue and has sent me a generic letter stating that the inquiries are accurate but they have failed to send me proof of the accuracy. The inquiries that have been disputed and not resolved are the following :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , and  XXXX   XXXX   XXXX . I appreciate CFPB looking into this matter further.     Best Regards,  XXXX   XXXX
Consumer complaint received 2017-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (PA)

I had a membership to   XXXX   XXXX   which was on auto pay out of my account, I was no longer able to go to the gym due to work priorities and went to my local facility and cancelled my membership. I pulled my credit report to view any changes and noticed a collection charge for  XXXX  from FIRST CREDIT SERVICES. I had auto pay and closed my account there was no previous balance due.
Consumer complaint received 2018-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The accounts were deleted and has been put back onto my account. AS a result, I requested in XXXX and again in XX/XX/XXXXfor Trans Union to delete the reposted accounts. Or, furnish me with the actual documents they have and used to substantiate the validity of the erroneous accounts. The accounts were initially deleted due to identity theft. {$1000.00} & {$120.00} were deleted by XXXX XXXX. 
I have requested once again for Trans Union to provide me with proof per FCRA of the documents they used to substantiate the reinstatement of these accounts and to date I have not receive any evidence.
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

on Monday  XXXX   XXXX ,   XXXX   I made a  XXXX   XXXX  wire transfer payment in the amount of {$210.00} to FIA card services. That payment was never credited to my account. ( I made a pay by phone payment Wednesday  XXXX   XXXX  after my payment was due. ) When I called to ask about the payment I made through  XXXX   XXXX  on Monday, I was told by customer service that even though it was considered the " money in minutes '' transfer it could still take up to 3 days to post to my account. In turn I incurred a late fee. I talked to FIA card services  XXXX ,  XXXX ,  XXXX ,  XXXX . I was then informed that an investigation would be opened and that I would receive a letter in the mail.   In the letter that I received there is a fax number to send correspondence. I faxed all of my documentation on Weds  XXXX  with a fax confirmation. Including the sequence/ confirmation number that I was given from  XXXX   XXXX   confirming  that the payment had been received by FIA card services.   - My name is correct on the payment, my acct # is correct, and FIA card Services information is all correct on the wire transfer. There are No errors.   When I called FIA card services again on  XXXX  I was informed that the process could take up to  10  business days and to follow up after  6/9.      I called FIA card services again on  XXXX  and the representative did n't even understand what I was talking about because he could see my pay by phone payment that was made on the  XXXX . I am still trying to receive the credit for the {$210.00} that was paid through  XXXX   XXXX . I have re-faxed all of my proof of documentation several times and customer service has been basically useless.   The last advice I was given was to call the number on the letter I received. I was calling that number then! Meanwhile my credit card still is not showing this payment and I am still incurring a late fee.   I have never in my life had such an issue with any company such as this. I have also never attempted to pay  XXXX   XXXX . I am at a loss.   I ca n't get the funds back from  XXXX   XXXX  because they are confirming the funds were received by FIA card services.   I ca n't get through to FIA card services because no one knows what the heck is going on.   Let me be clear that this issue is NOT regarding a pay by phone payment. It is regarding a wire transfer payment that has NOT been credited to my account since  XXXX / XXXX /  XXXX  .   Please help.
Consumer complaint received 2017-07-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (PA)

I cosigned a student loan for my grandson through Sallie Mae. Although I co-signed the loan, his parents filled out some of the paper work and thought that they would be helping him by paying the interest on the loans while he was in school. He graduated XXXX XXXX of this year ( 2017 ) and is currently setting up interviews for a job but, as of this date, is not employed. Since he graduated, his parents thought he would have a 6 month grace period before he would have to start paying back his loans. However, we found out today that is not the case and Sallie Mae expects an interest payment during his 6 month grace period. Unfortunately, since my grandson graduated, his father lost his job and they can no longer pay the interest. I called Sallie Mae today ( X/XX/17 ) and explained the situation to a representative who said he would connect me to the Loan Modification Department but, the call was disconnected. I called back and talked to another representative who was not at all helpful, nor sympathetic and REFUSED to connect me to the Loan Modification Department, so I asked to talk to her supervisor. The supervisor was also not sympathetic and ALSO refused to let me talk to the Loan Modification Department and was very condescending. After searching online to see if there was any options available for their situation, I found a different phone number for Sallie Mae and a quote that saidIf you are experiencing financial challenges, whatever the reason, at the first sign of a difficulty dont ignore it. Call us at XXXX ( XXXX ). We know you dont want to be in this situation, and were committed to working with you to help you get back on track. So, for the third phone call I called this number and, although the representative was at least kind, she said there was not much that could be done. After I complained more, she said she could give him a forbearance but he would have to pay {$150.00} for that and then he would have to begin paying the interest next month. He does n't yet have a job and, although I co-signed his loans, I am retired and can not possibly pay this amount each month either. I asked Sallie Mae if I could pay {$100.00} per month until my grandson got a job and could start repayment, but that was not an option according to them. Additionally, although my credit score is  excellent, his student loan interest rate for each of the four years was between 11-12 % which I did not understand. When I called each year to see if somebody would tell me how they came up with that rate, I was never given an explanation. So, his parent 's paid around {$20000.00} in interest over the four years and they still could n't do anyything to modify his loan so he could take advantage of the so called " grace period '' to begin repayment.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

On XX/XX/year> and on XX/XX/year> I had a hard inquiry come to my credit report for something I never filled out and Ive tried to call the credit bureaus to get it off but they dont seem to be much help for both of the dates listed above the issuer is XXXX XXXX
Consumer complaint received 2019-10-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NJ)

My escrow account is {$230.00} over the required amount due to New Jersey XXXX XXXX for senior citizens. On Wednesday XX/XX/XXXX I contacted a rep from Home Point Financial service but could not resolve this with her and asked to speak to a supervisor. I was transferred to supervisor XXXX XXXX and explained the escrow statement sent to me in XXXX was incorrect. They anticipated my quarterly property tax payment to be {$1300.00} but was actually {$1000.00} due to rebate. He said he understood and would request an expedited escrow analysis and I should call him back Friday XX/XX/XXXX at ext XXXX. I called twice Friday once speaking to rep and second call left a voice mail on his phone. I called again Monday and rep assured me she would email XXXX that I called requesting a call back. Today XX/XX/XXXX I talked to an XXXX and after explaining again the problem was transferred to XXXX 's voice mail and requested an update and again no follow up. I am attaching their escrow sheet which shows required balance and incorrect anticipated balance. Actual balance is {$1200.00}.
Consumer complaint received 2017-06-19
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)

I have had a recurrent issue with getting a resolution regarding the inquiries on my credit report with the Experian credit bureau. I have sent a notarized letter and have spoke with representatives on several occasions. There are hard inquiries on my credit report that I did not authorize and not aware of the company at all. The credit bureau has failed to properly investigate this issue and has sent me a generic letter stating that the inquiries are accurate but they have failed to send me proof of the accuracy. The inquiries that have been disputed and not resolved are the following :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , and   XXXX     XXXX . I appreciate CFPB looking into this matter further.     Best Regards,  XXXX   XXXX
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (TN)

Dear Sir or Madam, While checking my personal credit report with all  XXXX  credit bureaus in  XXXX   XXXX , I noticed several inquiries made by numerous of organizations on  XXXX / XXXX / XXXX . I have reached out to the organizations and no one was willing to help due to the age of the inquires. I have even went as far as mailing certified letters to the credit bureaus requesting for the unauthorized inquires to be removed on  XXXX / XXXX / XXXX .
Consumer complaint received 2018-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY (KS)

Debt for home repair on revolving line was recently transferred to XXXX XXXX. We pay monthly payments on the first of every month. When transfered XXXX XXXX ( the new servicer ) was recognizing payments paid on first of month for the previous month and counting the next payment late. We have documented to them in multiple conversations this payment schedule. We 've spoken with them multiple times over the past couple months. The Servicer is XXXX XXXX XXXX XXXX .
Consumer complaint received 2017-06-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC (WA)

XXXX XXXX 2016 I purchased some items from XXXX with a valid credit card. I saw the items pending on my account, received the items. In the month of XX/XX/XXXX they tried to recharge my same credit card for the amount again, I stopped payment. They called me and asked for another credit card number they could charge and I refused because i believed I had paid them already. They sent me to collections and the day I received something in the mail I called. The collection agency claimed they never received payment from my card and that they had put to 360 days to recharge my account legally. I contacted my credit card and confirmed that they never finalized the transacting in the 90 days it sat pending and so it fell off. My XXXX account said they can not legally charge my credit card 4 months later because they made a mistake. I am now being threatened with fees and court over this issue that is a result of poor management.
Consumer complaint received 2017-07-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (GA)

On or before XX/XX/XXXX 2017 I contacted AWA Collections concerning a {$60.00} medical debt that appeared on my credit report with XXXX. I spoke with a XXXX XXXX that is in charge of this debt, I told him I wanted to pay the amount shown on the report, I wanted receipts showing I paid so in order to receive receipts I was told to go on line to www.payawa.com and I was given 3 different account numbers one was {$19.00}, one was {$10.00}, the last was another {$19.00}. I double checked the amounts and the account numbers because two payments were the exact same amount, He verified the amounts given. I paid all three and checked with XXXX approximately 2 weeks later only to find that AWA only reported receiving {$20.00} and showing me owing a balance of {$40.00}, I called AWA and XXXX to inquire why {$40.00} was still showing owed, I was told to send verification ( copy of receipts ) and AWA would fix the discrepancy. I sent verification of payment XX/XX/XXXX 2017 However XXXX XXXX called me and stated that I needed to send him some more money or he would not remove the {$40.00} balance. I then went to my bank and had the {$10.00} and a {$19.00} disputed because AWA refused to acknowledge payment, XXXX called me at XXXX XXXX on XX/XX/XXXX 2017 and became very vulgar and spoke obscenities and stated that " I will show you ( in a threatening manner ) since you disputed the payment of {$19.00}, I am going to go into your account and take the disputed amount plus additional funds ''
Consumer complaint received 2019-03-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

A written request for validation of debt was sent to LVNV Funding, LLC requesting validation of any legal responsibility owed to them, signed contracts, statements from the original creditor, proof of amounts owed to original creditor. Etc. LVNV Funding and Resurgent Capital Services failed to provide the proper documentation.
Consumer complaint received 2019-03-05
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. (TX)

Dispute was mailed certified on XX/XX/2019. This dispute was sent over to Transunion again because the account should not be in collections. I was able to send the dispute with a copy of the bill from the XXXX XXXX. The bill from the original creditor shows that the bill was not due until XX/XX/2019. XXXX XXXX  ( collector ) has been reporting this account as a collection BEFORE the bill was due. Transunion verified the account as accurate while other reporting agencies such as XXXX and XXXX were able to successfully DELETE the incorrect account within 30days attached is PROOF that the information on the account was not verified properly. Disputes as well as bill from original company.
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 — Public record information inaccurate
Company: EQUIFAX, INC. (CO)

A bankruptcy is being reported in my name from  XXXX   XXXX     2010  and this information is not correct.   I have confirmed that the court system does not report this information.
Consumer complaint received 2019-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (GA)

Was billed for insurance I dont have and someone from a address Im not familiar with. Someone used my identity to get insurance and Ive shown proof of my address through email with licenec and other documents.. I have never been associated with the adrsss at all in my life. Its also hurting my credit and ability to obtain my first house