davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (TX)

Collection Amount : XXXX Dated Collection Reported : XX/XX/2019 Subject : Fraudulent Medical Billing and Unauthorized Services by XXXX XXXX through Medicredit Inc XXXX XXXX  XXXX XXXX XXXX, MO XXXX The debt collection attempt by Medicredit is an unauthorized services by XXXX XXXX XXXX XXXX and Medicredit was attempting to collect the money by calling repeatedly, The claim was paid by insurance company but the billing department and medical staff authorized services not authorized by me on the day of service. I tried to resolve the issue with debt collection company by stating the service are not in complaint and are subject to unauthorized services and hence the collection is also fraudulent. I paid over {$200.00} dollars in good faith that the dispute would be resolved and since this was under review, Medicredit reported the collection to XXXX   as a revenge when I complained about they are crossing the line to ask about services rendered which could be subject to HIPPA laws privacy. I will be contacting the OIG (  Office of Inspector General ) to look into this for possible billing fraud by XXXX XXXX XXXX XXXX in XXXX, Texas
Consumer complaint received 2022-04-29
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: Synovus Bank (VA)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I, XXXX XXXX XXXX, the consumer, have been violated by the company Capital One Bank times. Capital One " Bank '' has violated has claimed they have provided credit however they only have rights to borrow, and are not an actual bank.They are forcing customers to put down cash payments for a consumer credit transaction and have continued to take cash payments in consumer credit transactions. They have proceeded with furnishing false information on my credit report. They have failed to provide me with a validation of this alleged " debt '' They used my my social for non permissible purposes and found other use for my social security number. The company was paid off but still furnishes a negative, " charged off '' report. The company has at times called me multiple times within a week threatening me to make payments and eventually sued me when not in my jurisdiction. Also, they are violating FCRA by reporting false information. They appear as " Capital One Bank '' on statements however show as " Captial One '' excluding the " bank '' on bills. According to my calculations alone I'm showing that I was violated 14 times, i'm sure there's more. However, they are in violation of 15 USC 1601a, 15 US CODE 1681 ( A ) 15 US CODE 1692 D, 15 US Code 16, 15 USC 1681n ( b ), 15 USC 1692g ( 1 ), 15 USC 1692 ( 2 ), 18 USC 8, 15 US CODE 1692B ( 2 ), 15 USC 1692B ( 3 ), 15 USC 1692H, 15 USC 1692g ( c ). This company has lied about who they are so there's no telling what other lies they have told. Capital One " Bank '' is a very dangerous well known company and this company has caused mental anguish that is turning into physical stress and is affecting me tremendously.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.
Consumer complaint received 2022-01-11
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

My father 's home was in a reverse mortgage status with Reverse Mortgage Servicing Dept when there was damage done to his home ( water pipes froze last winter ). Insurance covered the loss, but the funds for repairs were held by Reverse Mort Serv until the work was completed. Work completed more than 2 months ago, and inspections were made and approved by Reverse Mortgaging inspectors, AND the home was sold in XXXX. Since then, I have been trying to retrieve over {$18000.00} in funds owed, but the reverse mortgage company tells me they have tried to mail the checks to my address, but they keep coming back " undeliverable. '' I have lived at the address for 20 years. This has apparently happened 5 times. I have never received a courtesy call when this happens, the only way I find out is by phoning them several times a week. They tell me that they can not wire the money or send it any other way, unless I send them a prepaid envelope. Last week I sent them a prepaid XXXX label and they still have not sent the money. I have had to pay vendors for the home repairs out of my own pocket. I am just looking to rectify this issue that has been going on for several months and retrieve what is owed to me. Thank you, XXXX XXXX
Consumer complaint received 2020-07-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am closing my savings account with Capital one because I believe that I can't trust Capital one bank as they had allowed a Merchant to fabricate and take funds out of my account of {$150.00}, I contacted the FBI, Comptroller of Currency and the Federal Trade Commission. Therefore I am closing my savings account and want Capital one to close it permanently. This is a new complaint. 

I believe that Capital one is in conspiracy with XXXX XXXX XXXX and a member of the XXXX XXXX XXXX member organization with the Merchant, XXXX XXXX, and co conspired to steal {$150.00}. Capital One Bank and XXXX XXXX pay a fee to XXXX XXXX XXXX  to receive A+ ratings to defy consumers who have complaints against these businesses. Capital one bank did a fraudulent investigation regarding my dispute and allowed a Merchant to steal {$150.00} out of my account which I have no control. 
I have emails from XXXX  President that a refund is a return from XXXX XXXX of {$150.00} however Capital one is going to return the refund back to XXXX XXXX  ( See attached ). 
Another email XXXX XXXX sent to XXXX XXXX XXXX CEO ( See attached ) It is all a scam- Capital one is a part of a scam and I can't trust them with my money because they are a part of XXXX XXXX XXXX making deals because they are members of XXXX. The customers are not important, Capital one needs to be investigated for poor practices and policies. 

I believe that Capital one discriminates against the protected class, too. Capital one bank needs to be investigated for their practices and their connections with the XXXX XXXX XXXX I received a letter from the XXXX XXXX XXXX President that the money is going to be return back to me from XXXX  XXXX.
Consumer complaint received 2018-04-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (OH)

I sent a complaint about a {$35.00} charge of my invoice. The response from the company was that it was an error and had been corrected. Today I received a statement still trying to to collect this amount. GM needs to get their billing system fixed, you never have any idea what you owe and they NEVER reply to any email sent inquiring. It's a disgrace and it's fraudulent and needs to stop.
Consumer complaint received 2022-01-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc. (RI)

Someone applied for and received 2 personal loans in my name and deposited the money into my personal bank account. Fortunately my bank caught this before they could withdraw the funds. 

The bank froze my accounts so that the funds could not be withdrawn and I am working the bank investigators to resolve. When I pulled my credit report, these crook also tried to obtain loans from 12 other lenders all in a 3 day period in my name. 

They also applied for unemployment benefits for me too. 

Watch out, these crooks are working overtime to destroy your lives.
Consumer complaint received 2018-02-08
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. (IL)

Have written into all the major credit bureaus over 20 times in last 2 years ; have placed numerous of phone calls being on phone for over 2 hours and issue still unresolved advised them all that I am an victim of identity theft did what the asked filed police report, affvadaits etc some of the accounts have been removed but not the collection account that were attached to the crime. would like all 3 major bureaus to remove XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX from my credit reporting file
Consumer complaint received 2021-11-09
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. (CA)

Apparently someone fraudulently applied for an XXXX student loan through XXXX for {$20000.00}. I received two letters from them where it states it was denied because they could not confirm my identity. I spoke to the fraud department on several occasions to try to have this hard inquiry removed from my credit report and I had to explain that it was not me who applied for this loan. Someone else applied without my knowledge or permission but they said they were not allowed to share the email address with me of who applied they said I would have to file a police report. At this point I just want it removed as a hard inquiry on my report one of the letters I received is dated XX/XX/2021 the application ID is : XXXX, XXXX address is : XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX. They told me they would send an email to the three major credit bureaus explaining that this application was done fraudulently but I could only confirm with XXXX that it was removed from there end. It is still showing on my XXXX report and as for Experian I can not get a hold of a live person. XXXX informed me that I had to write a written complaint regarding this and also to write to you guys explaining as well so that FTC could send me a form that I can in turn send in to XXXX credit reporting.
Consumer complaint received 2018-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pollack & Rosen, P.A. (FL)

This company has a number of accounts they have been contacting me about. The accounts have my name but I have contacted the banks who issued these credit accounts but the banks verified the social security number does not match my social security number. I have contacted this collection company via email, fax and US mail alerting them to this. The company responded to two of the accounts after I filed disputes with the three major credit bureaus and closed those collections because the credit bureaus were able to match the social security did not match. This collection company has four additional accounts open in collections that are not mine. After alerting this company of this they refuse to verify the social security number and continue to contact me via numerous phone calls and mail. XXXX XXXX XXXX have contacted me from thirty-two different phone numbers over the past four months. Even after being contacted that these accounts do not belong to me and to please verify the social number they have refused to listen to me and continue to harass me. They have also filed two civil actions in court under my name but wrong social security number.
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (WY)

Barclay arrival+ shocked me with Cash Advance Fees for my XXXX purchase after frequent and regular purchases for over 5 months. 

CASH ADVANCE FEE XX/XX/2018 {$27.00} CASH ADVANCE FEE XX/XX/2018 {$130.00} They did not call me, communicate to me at all in regards to these fees.
Consumer complaint received 2018-02-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WI)

I have tried to work with XXXX XXXX for years but they keep putting me in forbearance and now my loan has gone from {$60000.00} to over {$200000.00}. 

I don't know what to do.
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (MS)

Wells Fargo and XXXX XXXX fraudulently signed me up for the Wells Fargo Visa Home Projects credit card, without my knowledge or consent, to finance a purchase of windows from XXXX XXXX of XXXX, Arkansas. 

Please see the attached materials in support of the CFPB complaint. 

I request the CFPB to investigate the Wells Fargo Visa Home Projects credit card product line for widespread fraud and consumer abuses.
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (OR)

The XXXX XXXX XXXX was where all my loans went thru. The first part was while i was attending the local XXXX college, XXXX XXXX College, then I transfer to a 4 yr school to complete my degree programs. 
Even though the next set of loans at the 2nd school, XXXX XXXX University, involved new loan paperwork, which included a new home address, email, etc. This info for whatever reason did not update across all the acounts. And since they like to make each term, 3 per year, be its own account, they are saying it was my problem for not updating all the contact information for each and every account. 
Yet, they had the new information to send me info, and even worse, the address they did have was my grandmothers address, and nothing ever got sent their either. 
It reached the point of being 6 months past due, by the time i just happened to be looking into getting a home loan, and when i went to look at my credit report, it had been tanked by 13 accounts thru XXXX XXXX XXXX, each stating 6 months late. 
For an account that's supposed to have payments due, and reach 6 months past due, they never looked at the account closer for contact info, and when we called them directly, they even said that both sets of addresses were in the system, and the different email addresses, phone numbers, etc. So why couldn't they send anything.. and like i said again, the old address in their system, never received anything at that residence either, and my grandmother has been living there since 1996. 
I sent multiple letters attempting to explain everything to the creditor, XXXX XXXX, as well as all the credit bureaus. Response has been that nothing gets fixed. And the best the school did to fix the immediate problem of an account showing past due, was to make a retro active forbearance, and back date, or whatever they call it to fix the problem.. 
But, that doesn't help my credit report where the only bad thing on my report is this set of 13 accounts, all showing several months past due, and now, best they show is current because of the retroactive forbearance. This has prevented me from obtaining financing the purchase a home, as well as prevented me from being able to even rent an apartment for myself, my XXXX husband, and XXXX  kids. You would think this would be an easy fix, but apparently not, and they wont budge. 
I have been told i have grounds for legal action against them for this matter, and the financial/mental hardship it has caused us. Not to mention, a potential lawsuit against the fact that they get to report so many different accounts, but yet i only signed 1 loan agreement per year, so how its allowed to turn into 3 seperate loans is sketchy..
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc. (OH)

ARS was sent a letter to remove an item from the report they hold under my social security number and share with the 3 major credit bureaus. It is not permissible under FCRA since there is no information bearing my signature to this account.
Consumer complaint received 2022-04-29
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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

I have XXXX XXXX, XXXX XXXX and a XXXX XXXX XXXX credit card account that are all managed by Comenity Capital Bank. ( The first 2 have  balances, that I'm trying to pay off. ) Like many consumers, I pay my bills online. However, Comenity Bank does not allow auto pay on a recurring basis. If this feature were incorporated, I would not miss any monthly payments and deal with the sequela of late fees and a ding to my credit score. It's in the bank 's interest to NOT add this consumer friendly feature. 

I had a Virgin America Visa credit card that is managed by Comenity Bank. The account has been closed, since Virgin was sold. Comenity allows recurring auto payment to this account, so I know there must be a coder out there that can add this. Please help!
Consumer complaint received 2022-04-29
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OK)

To who can help : I have been filing this complaint for this company for months and keep getting a response that is is not looking at my issues with Shellpoint. They are not a company that fact are part of the picture. I have shown that the payments have been made and in the 30 day time frame but late charges are always applied. Even when I send as certified mail ( see enclosed receipt ) to be able to track and show it is on time the fees are still charged. They have collected additional fee for services that have not be authorized. They have charged and collected fees that the original lend stated would be placed at the end of the loan. 
This company is not one that I would do business with but has made it impossible to eliminate, for they are miss reporting to the credit bureau. I need this information removed and corrected to all three agencies. 
Please help me with this issues in writing only XXXX XXXX  XXXX XXXX. XXXX  XXXX, Ok XXXX. I do not take unknown calls. I want this fixed and back on some track of resolved.
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Please help me and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from XXXX XXXX that is showing as late, but was paid in full for the full balance. I have brought to the consumer credit bureau 's attention multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with XXXX XXXX XXXX to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt..
Consumer complaint received 2022-04-29
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Worldwide Recovery LLC (SD)

See attached transcripts of voicemail received. Have requested that they stop threatening me with litigation. Request they stop harassing my sister. Provide proof of debt owed. I block the number and calls continue from different numbers. Must stop this harassment.