davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (NC)

I was seen for a routine XXXX XXXX at a provider I had not used previously, XXXX XXXX XXXX XXXX. I supplied all pertinent insurance information to the company to be submitted by them with their claim. Months down the road I received a collections notice regarding this visit- apparently the office staff never submitted the paperwork for my procedure. I promptly contacted the XXXX XXXX office directly to inquire, and in no unsure terms was told that it was my fault and they were pursuing collection. It has been well over a year since my visit, and it is still unaddressed and in collections making a derogatory mark.
Consumer complaint received 2022-04-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On the date of XX/XX/2022 I have sent a letter due to inaccurate and unknown things on my credit report. To this day over 43 days later I have not received a response yet. I am upset about this and feel like I am being taken advantage of and ignored of my previous disputes. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 30 days and therefore should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. In addition to this, my information was impacted by the equifax data breach and may have possibly been interfered with.
Consumer complaint received 2021-04-22
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. (WA)

Equifax will not send me my credit report. I requested it by the annual free report phone system, and Equifax sent me a letter saying I have had a free report in the last 12 months. 
This is incorrect. 
I have not received a credit report from Equifax in at least three years. Every year I try to get a report from Equifax, and I fail the questions. I suspect there is incorrect data in their report, but I can not get my report. I can not speak to them on the phone because I fail their questions. 
I locked my credit report with them ( I still have the pin ) at the time of their data breach, but I can not log on to their website because I fail their questions.
Consumer complaint received 2019-05-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

Intentionally and deliberately, PayPal Inc, misled me. 
I had a PayPal account, I made some transactions, the first one on XX/XX/2019. 
When I opened the PayPal account, it did not clearly state which are the conditions under which it allows to operate, receive or send money. When he made the transactions, he did not either, he waited until the transactions were completed to proceed unilaterally to freeze the account. 
Instead, the account, even with the blockade you have, can receive payments. That is, if payments were received, they would also be frozen. PayPal seizes the money of the public, without any kind of control, millions of users around the world do the same ... nobody says anything, there is no authority for them. 
They take people 's money and nobody knows what they do with it. They do not pay interest, even that.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: QUALITY ACCEPTANCE LLC (TX)

I have disputed this account over 5 times with each of the credit bureaus with no response. I have requested in writing that I am provided with a signed agreement and that the current balance be updated to the correct charged off amount. I have not received a response nor documentation to provide accurate proof that this amount is owed. XXXX XXXX has yet to respond to my requests.
Consumer complaint received 2019-05-15
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Re : Hard Inquiry/Unverified on my behave. I recently checked my credit reports with XXXX, XXXX, XXXX. I have one hard Inquiry from company : COAF XXXX XXXX. 

COAF  XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX ( XXXX ) XXXX. I contacted COAF   .Have not herd back from any of this mentioned company.Regarding this issue.
Consumer complaint received 2021-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (CA)

I received a collection notice from Grant Mercantile Agency in XX/XX/2021 regarding a debt of {$300.00} from XXXX XXXX XXXX XXXX XXXX. This should have been paid by insurance, so I reached out to the XXXX XXXX XXXX XXXX XXXX to see why it was not and was informed they never sent it to my insurance, as they had inaccurate insurance information. 

I was told they would bill the insurance company and it would be taken care of. I didn't hear anything back and on XX/XX/2021 Grant Mercantile Agency again flagged my account as collections. I have not received any written or verbal communication since I addressed the issue in XXXX. I only now am aware it is once again in collections because of checking my credit report. I don't understand how this is back in collections, if it was sent to my insurance company and there has been no further communication.
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/XXXX, I reported to Comenity Bank that a charge on my Zales credit card statement for {$3300.00} made on XX/XX/XXXX was not valid. Since I was in possession of the single credit card on this account, I asked the customer support representative if the charge was made without the card, and they confirmed the the charge was was made only with personal id. This was the 4th instance in XX/XX/XXXX where either there was either attempts to open new credit or a similar charge made only with fraudulent personal id. After the first instance, I initiated FTC Identity Theft Report and fraud alerts on my credit report. In XX/XX/XXXX, I completed and returned a follow-up fraud information sheet to Comenity Bank. In letter dated XX/XX/XXXX from Comenity Bank, they informed me that they could not find any basis to support my claim. I replied to that letter with a copy of my FTC Identity Theft Report and a statement with my plan of action -- filing this complaint and subsequent legal action if they reported false information to the credit reporting agencies. 
Additionally, the other 3 instances of identity fraud have all been resolved in my favor.
Consumer complaint received 2018-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc (CA)

I had an routine XXXX XXXX  with my former XXXX insurance. ( XXXX XXXX ) last year on XX/XX/XXXX in a XXXX XXXX at XXXX XXXX  ca. XXXX originally bill XXXX XXXX XXXX my former primary insuranceXXXX XXXX XXXX  paid only an amount for the XXXX ; however, I swowed proof of my XXXX XXXX   insurance when I had the test.

I went to XXXX offices to speak to a representan and told me they would bill XXXX XXXX  again for the payment. XXXX XXXX said that they paid the benefits and I should only worry about the copayment of XXXXdls I was sent to collection by XXXX XXXX because of that issue on the month of XX/XX/XXXX. I called both XXXX  and XXXX XXXX to fix this misunderstanding and both of they blame each other for this payment.

OnXX/XX/XXXX I had to pay XXXX dls to FINANCIAL CREDIT network to get out of collections. I called both XXXX and XXXX  again to request for a disbursement and they kept blaming each other about it. XXXX XXXX  says they paid the service on XX/XX/XXXX, XXXX denied it. On the meanwhile I was sent to collection and pay XXXX to get my credit as it was before.
Consumer complaint received 2020-07-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I Have use MoneyGram plenty of time send money to family members in XXXX. All the time they stop my payments and make me call them to verify where the funds are coming from. They profile me and they are XXXX towards XXXX. Ask where I get my money, when, how and what I do for a living. 

They are harassing me and abusing their authority with me asking all this questions very confidential and not necessary. Will get my lawyer to sue them for harassing. They take their fee all the time and not giving it back. I have sent in total of {$5600.00} of fees with MoneyGram. 

Tell them to STOP HARASSING ME.
Consumer complaint received 2020-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

Navient. When they became Sallie mae, I had many issues as far as interest rate. I would woukd get charged interest on loans that had 0 balance and to consolidate my loas put me so behind that I got charge more interest than the loan. Also I had issues with devry adding loans without my knowledge
Consumer complaint received 2018-06-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

I have requested myself to be removed as authorized user from the account that the owner has passed away and requested the lender also adjust it to credit report in this case is Equifax by sending XXXX written request As XXXX XXXX ( Vice President of advocacy management office )!

However XXXX  Never responded to my request!!!!
Consumer complaint received 2016-01-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I have a contract with Wells Fargo Bank for an automobile loan and have been making more than the required payment sine day XXXX XXXX 2013 ). My monthly payment is made automatically through my online banking account and has never been late. However, every once in a while I get a monthly statement for more than the amount on the contract, but it is not due for some XXXX to three months later while the current overpayment is still being made automatically every month through my bank. It appears that Wells Fargo is not taking the money from my monthly overpayment and applying it to the principal, but is applying the excess amount to future payments and holding those funds until that payment is due thusly, I am paying interest on the remaining balance of the loan and not the decreasing balance if they were to apply the excess payment to the principal loan balance. This seems highly unethical to hold my money and wait for a payment to be due rather than applying it to the principal balance every month and decreasing the monthly amount that I am paying interest on. There is no place on the monthly statement to fill in any amount of additional principal included in the payment. Thank you ...
Consumer complaint received 2019-05-15
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: F&M Capital LLC (MI)

On XX/XX/XXXX my brother received a voicemail from XXXX XXXX who stayed that she was with F & M Capital in the bad checks division. She said she had a formal complaint against my name and social security number, regarding a series of bad checks that were passed across state lines. She then called the store that I work at and spoke with the pharmacist who passed her off to the front end ( the department that I work in ). She started immediately asking a supervisor ( who actually works under me ) how she could go about garnishing my wages. She stated that she could not leave a voicemail because my mailbox was full. I verified that my mailbox was empty and then I called XXXX XXXX and asked her to provide me with a validation of this debt. She said that she had already sent mail, email, etc and I verified that she does have the correct information for me, however I have received nothing regarding this from them. She said that I owe {$2600.00} to XXXX XXXX XXXX from XX/XX/XXXX. I explained to her that I believe that this debt had already been paid and she told me that is the most ridiculous thing Ive ever heard! You need a lawyer because they are going to nail you to the wall! When I asked about her calling my place of employment she stated that she was simply verifying my employment so that she could move forward with the wage garnishment process. I explained to her that there is no HR Dept at the store level, only at corporate level and she said that she would be calling back to speak with my store manager at XXXX tomorrow. After our phone call, I signed into my XXXX account and it said there were no active accounts. I do believe this debt was paid years ago and I do not appreciate F and M capital calling myself, my family, and my work divulging personal information and making threats regarding a debt that I have yet to see validation for.
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (FL)

On XX/XX/XXXX I tried to do an " instant deposit '' for {$2600.00} from my XXXX bank account to my Robinhood account. The whole process was supposed to take no longer than 30 minutes to complete. Once I noticed the transaction was never completed, I reached out to Robinhood and they informed me the transaction had expired. They suggested I reach out to my bank to notify them of the pending issue. After Calling XXXX, they informed me that the transaction was still pending and to call back when the transaction was completed. The transfer for {$2600.00} was completed by XXXX on XX/XX/XXXX. Unfortunately, Robinhood never received that transfer. I contacted XXXX to file a claim. the process started on XX/XX/XXXX. The bank asked me to allow 10 business days for the issue to be resolved. On XX/XX/XXXX I accessed my XXXX XXXX account and found two additional charges for {$2600.00} each from Robinhood. I contacted XXXX to assist me with the new charges. XXXX stated there was a glitch in their system and granted me a temporary reversal of {$5200.00} while they work on resolving that issue. As of XX/XX/XXXX the instant deposit for {$2600.00} has yet to be released to my XXXX account or my Robinhood account. XXXX denied the claim and insisted it was a completed transaction that would need to be resolved with Robinhood. After speaking to representatives at Robinhood, they insist the transaction expired after 30 minutes on XX/XX/XXXX. I have worked diligently with XXXX and Robinhood to have this matter resolved. Neither company has been able to assist me and the money has yet to reach either account. The next steps are unclear because neither company has given me a resolution. If someone could please assist me with this matter, it would be greatly appreciated.
Consumer complaint received 2019-05-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

I have a lease payment of {$47.00}. My bank accidentally wired {$4700.00} to XXXX for the payment. I have asked numerous times for them to refund the money to me. They applied the money to the {$47.00} payment due and kept the rest and refuse to return it to me after three requests. They make up different stories every time me and my bank call them. They have not applied the overpayment to any additional amount due. They just kept it. It has been three weeks and they will not return my money.
Consumer complaint received 2019-05-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (MN)

Our account was assessed an additional {$120.00} fee for post-bankruptcy fees from Selene Finance. We do not dispute this. However, we wanted to pay it online and also pay additional principal. When we logged in to do so, there website would not allow you to pay additional principal nor pay the {$120.00} fee. It only allows you to pay your set mortgage ; which our mortgage agreement allows us to pay more towards principal without being punished. So upon calling Selene ; they stated we had to make these payments by phone and pay an additional {$12.00} to do so. This is not part of the mortgage agreement if their website won't allow an additional payment. You shouldn't be charged to do so.
Consumer complaint received 2019-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Re : Hard Inquiry/Unverified on my behave. I recently checked my credit reports : XXXX, XXXX, Transunion. I have one Hard Inquiry was made by Company on XX/XX/2017.XXXX XXXX  : XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have called XXXX XXXX XXXX XXXX XXXX in several occasions left messages for the Supervisor to return the call, regarding this matter.NO returned calls.I also contacted XXXX, XXXX, Transunion.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Issue : My credit report contains an inaccurate birthdate that matches my father 's. This incorrect information causes significant financial hardship for both of us. 

Impacts : Denied Credit : Both myself and my father have been denied loans, credit cards, and other credit opportunities due to the mixed-up birthdates. 

Negative Credit Scores : Our credit scores are negatively impacted, leading to unfavorable interest rates and insurance premiums. 

Potential Identity Theft : The data overlap raises concerns about potential identity theft, further jeopardizing our financial security. 

Urgency : This error has caused substantial financial stress and necessitates an expedited resolution. 

Supporting Documents : Relevant documentation like driver 's licenses and birth certificates will be provided to verify the inaccuracy. 

Request : Immediate correction of the incorrect birthdate on my credit report. 
Investigation into the source of the error and steps to prevent similar occurrences. 
Compensation for the financial losses incurred due to the inaccurate information. 
Conclusion : We urge Experian to address this issue promptly and with due diligence. The misinformation has caused significant harm, and swift action is crucial to rectify the situation and prevent further damage.
Consumer complaint received 2020-07-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (CA)

Received a call on XX/XX/2020 @ XXXX pacific standard time. 

Annoying robocalls midday during work hours. Leaves message on phone with only few words left saying go to our website XXXX. Message doesn't disclose how to pay or pin number ( which is apparently required ). Never received any mail or such stating I owed any debt. I received one other call at roughly the same time on another day some time ago as well.
Consumer complaint received 2019-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (TN)

I have reached out to Ally financial, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX to explain that these negative accounts that are showing on my credit file are fraudulent and do not belong to me. I have provided information like police reports showing I'm an identity theft victim. I also have provided this information to XXXX, XXXX, and XXXX  as well. XXXX is the only agency reporting this false information at the time and has been providing me with same result time after time with no paperwork for validation but yet saying that it has been verified. These accounts are showing opened from XX/XX/2014 to the present with amounts from around {$200.00} to {$19000.00}. I would like for these accounts to be removed immediately because they don't belong to me.
Consumer complaint received 2021-09-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TN)

I am in the forbearance Loss mitigation program with Loancare. I was affected by Covid 19, I loss my job and have found another job with XXXX income reduction. I have been sending in required documents. I have letters staying I am in the Loss mitigation and that no negative information would be reported. XXXX Loancare report my whole forbearance amount XXXX in late payments. I am supposed to be getting a loan modification to avoid this very thing. Now my credit drop 5-points which is hindering me more, This is unfair when I am doing all the mortgage company is telling me to do. Please help me get this corrected. I have not been denied loan modification, I am right in the middle of the process, how can they be allow to report negative against my credit. 

Thank you
Consumer complaint received 2020-07-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

8 Months after receiving medical care, I received a debt collection notice out of no where from Rash Curtis Associates indicating I failed to pay {$1000.00} to XXXX XXXX. I never received a bill from the hospital stating I owed any monies, and my insurance company, XXXX XXXX, confirmed all cost due was paid to XXXX XXXX as contracted on my behalf. The initial letter had no itemized detail. I have since requested and received information that does not add up, and a call to the agency did not help explain how they are deriving the amount due. 

Rash Curtis has reported delinquency to credit agencies, negatively impacting my ability to continue my bank credit.
Consumer complaint received 2020-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (MA)

Unverified and Unauthorized on my credit report, I've been disputing with this account for 2 months however they refuse to remove it and now I'm coming to you guys to resolve this problem. It should be a fair resolution to this issue, thank you!