davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (OH)

I received an alert from XXXX regarding a collection opened on my credit report. 

A collection showed up on my XXXX credit report after me having spoken to a representative of Capio Partners # XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX , Tx . XXXX about two weeks ago. 

I explained to them that the account which they were attempting to collect for was paid in full to XXXX XXXX for services provided and that i had my receipts. 

I received a statement from XXXX XXXX ( statement date : XX/XX/XXXX ), amount due : XXXX. I paid the bill in full on XX/XX/XXXX in the amount of XXXX. After receiving another billing statement from XXXX for the same amount, I contacted XXXX who confirmed they had missed appropriated my payment and that they would correct the issue. This was sometime in late XX/XX/XXXX I believe. 

On XX/XX/XXXX, I opened a dispute with XXXX ; before they had time to receive my documentation, XXXX contacted Capio who told them the information they had provided was accurate. I then in turn received a letter from XXXX dated XX/XX/XXXX, which i received three days ago stating they had investigated and that using the information provided by Capio this negative report would remain on my credit report until XX/XX/XXXX. ( I have worked very hard to clean up and maintain good credit over the years and am very distraught at the damage I saw done. My score dropped 40 plus points overnight. ) XXXX is dragging their feet reopening my investigation, I can not upload my documentation on line because for some reason, after going through their online uploading process, I received a pop message at the end stationg that my request had not been process because the file I was disputing was not in my records even though when i telephoned and spoke with four different people two, they could clearly see the negative account still posted.

I need help getting this matter cleaned up by both Capio and XXXX  please. 

Thank you, XXXX XXXX
Consumer complaint received 2017-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Interstate Recovery Service, Inc. (CA)

I received a telemarketing call in  XXXX   XXXX  selling magazines, which was recorded, I refused to take the subscription when I was told the price and refused to provide my billing address. On  XXXX   XXXX ,  XXXX ,  Interstate Recovery Service  called me to collect a debt, stating they mailed a letter on  XXXX / XXXX / XXXX , which I did not receive, advising of the debt. I spoke initially to  XXXX  and relayed that I did not purchase the subscription, had never received a bill or any magazines and did not owe the debt.  XXXX  told me that this would be a refusal of payment and proceed to further action. She would only give me the name of the original creditor as "  XXXX ,  XXXX  '' and no contact information. I came to this website for further information and called  Interstate Recovery Service  back to obtain their contact information to formally dispute the debt in writing. I spoke to  XXXX , I was told that I could not dispute the debt because there was a recording of me accepting the debt, I explained that I refused the offer when I was told the actual price and did not give my payment information. After being placed on hold,  XXXX  finally gave me the mailing address of  Interstate Recovery and verified the Tracking Number  of  XXXX .  XXXX  told me that they would still be pursuing the debt since I refused their offer of settlement of {$780.00}.   The total amount of the debt is {$1100.00} for magazines I never received or agreed to purchase. I again explained do not owe this debt and therefore would not pay for something I did not owe.
Consumer complaint received 2022-09-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One has not forwarded me the title to my Vehicle. Vehicle was paid in full at the dealership. A right of rescission was served on Capital One by USPS certified mail. Property was retained under 15 USC 1635 ( 20 ) days after recession notice was received by Capital One. Capital One is required to release lien on said property for the failure to retain property under the time frame allowed in subsection 15 USC 1635. Capital One is also required to refund the down payment of {$4000.00} and trade value of the vehicle that was delivered at the time of the transaction.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am placing a freeze on my credit files at XXXX, TransUnion, and XXXX, as it seems like the only sound method now to protect myself from identify theft. There is a fee, with each bureau, to freeze and unfreeze my files. Due to the frequency, pervasiveness, and severity of data breaches ( especially the most recent XXXX breach ), the fee is an unjust burden on consumers.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2017-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Altisource Portfolio Solutions, S.à r.l. (WI)

My name is   XXXX   XXXX   and  All this st arted with the nationwide cre dit Inc. I owe  them a total of {$110.00} a month I called on the third and told them that it was going to come back as insufficient funds because I did n't have it this month I Live off my  XXXX  well they did n't inform me that if it was insufficient funds they were going to try again the same month and the first attempts to collect the debt my bank told me that because it was insufficient funds they would take {$30.00} out As a fee what on the seventh they took it out again an d 30 more  dollars was taken out and now I 'm overdrawn {$110.00} because things that should 've gone through could n't go through because they tried to collect second time I called them and explained this to them after I realize the se cond 30 was ta ken out because they could n't get their money and they were quite rude and told me that it was my banks fault I could n't get my money back and that it 's common knowledge that they tak e it out two time s which they never told me that so now they 're making it sound like they do n't want to give me the money they owe me I 've called several times now and every time I talk to somebody at the nationwide credit I get a different answer and they keep telling me that we ca n't give you a timeframe as to when this all be resolved we have no idea it 's just been a lot of headache and they should 've just warned me when I started up the debt collections the first time hey if you do n't have it we 're gon na try again and they never mentioned that they only mentioned it after I said to them how come you took it out a second time this month then they were like oh yeah about that you should just know tha t debt collectors  are going to take it out twice which I was told by another debt collector is n't true he said once it goes insufficient they should 've had the courtesy to call me and tell me hey I did n't get your money and set something else up not just try again which is what I got but they 're pretty rude over at that nationwide credit I really am not thrilled with the service I am getting at all I just want this to be resolved because I was {$110.00} overdrawn and I ca n't afford it and it 's just frustrating that they do n't want to even take the time t o fix it.  XXXX  (  XXXX  )  XXXX  That 's their office number if you want to get a hold of them good luck  I hope this  can be resolved because this is very very frustrating signed a very frustrated  XXXX   XXXX
Consumer complaint received 2017-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rent Recover, LLC (GA)

I called the debt collector several times to have my case disputed and she has refused to do so. She told me that I need to contact to agency that I owe. She hangs up on me instead of giving me info on my case.
Consumer complaint received 2017-09-13
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: EQUIFAX, INC. (VA)

1.What recourse does CFPB have against Equifax for its highly publicized data breach announced XXXX XXXX, XXXX? 

2. What requirements are upon banks to ensure their vendors such as Equifax, XXXX, XXXX have to enure against data breaches. I know there are some but how did the US ' XXXX banks not have sufficient influence over this data breach at Equifax. 

3.How do I join in a class action suit against Equifax?
Consumer complaint received 2018-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

I got locked out for 25 days now, when I tried to set up the account on my new phone. Have no access to my funds and cannot reach anyone who can help. Waited hours on the phone numerous times to hear the same response “you have to wait for a specialist to assist you”.  This “specialist” cannot be reached and don’t know when they will respond.  Coinbase is holding up my money and there is nothing I can do about it!!!Ticket submitted on XXXX-2017Case #XXXX
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue XXXX.
Consumer complaint received 2021-08-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (LA)

This account has been removed previously from my credit reports, then it was reinserted back on to my reports. I filed a FTC report and now they have reinserted the information. Accoring to 15.US. Code 1681 Section ( B ) ( i ) States ... Any information that is deleted from consumers file and then reinserted the consumer reporting agency must in writing not later than 5 business days after reinsertion date. This was not followed by the furnisher so it should be removed.
Consumer complaint received 2017-04-21
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY (VA)

I have an  American Express card . The card has a credit limit of  XXXX  dollars.  American Express ( Amex ) d evised a scheme that allowed a creditor to post charges to the card that exceed the credit limit by  XXXX . I did not request an increase in credit limit. I did not authorize an increase in credit limit. I did not consent to an increase in credit limit. The actions o f Amex frau dulently opens a new account in much the same wa y Wells Fargo  did without actually issuing a physical card.  Amex has often  refused to pay a creditor that exceeded the credit limit on the account by only a  XXXX  dollars. The purpose of the scheme was to create an account wherein  Amex  could collect high interest on an account that would be difficult to pay off. The action by Amex deprives me of the right to determine the means I could or would use to pay off a creditor.  Amex  denied me my right to negotiate payment to the creditor if I recognized the creditors claim as valid. Credit limits are not arbitrarily or capriciously assigned to an account. Amex operates as a bank.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

You just removed the XXXX XXXX account and now you have re-added this account back on my file. 
I've already submitted to you some of the documents that I submitted to this company and they have not been able to validate this account claim. 
Now you have allowed this account filing to be place back on my file. 

This information needs to be removed immediately.
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-09-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

I attended XXXX from XXXX I have a private student loan through navient. On XX/XX/XXXX state attorney Generals including Massachusetts have reached a settlement agreement with navient to pay {$1.00} XXXX in private student loan cancellation. Qualified borrowers that went to XXXX the loan must of been disbursed between XXXX. The student loan must be in delinquent for 7 months or more and I qualify for that I was delinquent from XXXX XXXX XX/XX/XXXX. My original loan came from XXXX XXXX and got transferred to navient. XXXX is supposed to notify borrowers in writing by XX/XX/XXXX but I have not received anything. Any time I have called navient and ask what's going on with the settlement they have no idea. They just said you have to wait or waiting a response from department of education which is load of XXXX. I want this loan to be wiped off my credit and don't need to be responsible for the loan.
Consumer complaint received 2021-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/XXXX XXXX  's at XXXX XXXX XXXX XXXX Florida which uses Synchrony Bank for their credit cards. I Bought A ring and 2 days Later returned it on XX/XX/XXXX. I handed it over to the Fine Jewelry supervisor like your suppose to. XXXX took it. I originally lost the receipt of returning it. XXXX the manager called me a liar said he looked on video and told me I put it back on my hand. This is NOT true. They for some reason put the ring in my husbands name - We were together but have different last names. this was a {$2400.00} XXXX Later went on sale for XXXX. But after I brought it home I decided I didnt want it. I didn't look right. I was going nuts trying to find the receipt for returning it. Once I did. I emailed it to the manager XXXX, And all of sudden it was there. They have been trying to rip me off for a long time. I contacted Corporate and was promised XXXX gift certificate for all of my inconvenience XXXX XXXX - Have not got anything. 
On XX/XX/XXXX I was back in the store Ask for XXXX. I had a very expensive pair of XXXX shoes never worn cost over XXXX They are Too Large. I tried my best to exchange them and they would not let me. So they are useless. I have already paid for all of this and my husbands clothes we bought there already. Didn't have my shoes so had to order them online. This whole ordeal has been a nightmare. Someone needs to help me. They are still saying I owe for this ring.
Consumer complaint received 2021-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America failed to mail statement to my address per account instructions for the last 10+ years. Statement was not received which resulted in 1 day being late and a {$28.00} fee was charged. I disputed the fee in writing over 30 days and there has been no response by Bank of America to reverse the fee. I feel this is a purposeful act by Bank of America to pump up fees to customers. This will some day result in a class action like all of XXXX XXXX accounts for doing similar practices.
Consumer complaint received 2017-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (GA)

My father XXXX XXXX maintained an account at PNC Bank until his death on XXXX XXXX 2016. He was pronounced dead on XXXX/XXXX/16 at XXXX XXXX. His e wife who was granted Power of Attorney when he became ill went in the PNC bank in XXXX NJ the morning of XXXX XXXX, 2016 and withdrew the whole balance of {$66000.00} and opened an account in her name. At no point were any questions asked to the nature of her transaction. We have contacted the bank and were told they are not liable even though Power of Attorney ceases to be valid at the death of the account owner. They instructed us to contact a Lawyer and they would not help.
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO (CA)

Popular credit services charged a new annual fee of {$140.00} for my XXXX credit card on XX/XX/2021 and generated the new statement on XX/XX/2021. I received the statement and immediately called them on XX/XX/2021 to cancel this account and request the refund of the annual fee. Since I couldn't travel this year, I don't want to keep this card. However, the customer service agreed to close my account, but refused to refund the annual fee. It is unfair since my account is cancelled and I won't use their card for the upcoming year. I complained to her and she agreed to file a dispute for me to waive the fee on XX/XX/2021. Unfortunately, after waiting for more than one month, they still didn't refund the fee and started charging me interest.
Consumer complaint received 2024-01-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Law Offices of Les Zieve (CA)

I am writing to file a formal complaint against ZBS Law, LLP, in connection with their actions related to the foreclosure of my residence in XXXX, California. I believe their actions are in violation of the law and warrant immediate investigation. 

In XXXX, I received a notice from ZBS Law, LLP, stating their intent to foreclose on the aforementioned property, citing a second mortgage allegedly filed in XXXX. It is crucial to note that my late husband and I moved into this residence in XXXX, and the property is solely registered in his name. Unfortunately, my husband passed away in XXXX, leaving me to navigate the complexities of probate and the process of transferring the property into my name. 

To my surprise and distress, ZBS Law, LLP, later claimed to have sold our home and executed the foreclosure in XX/XX/XXXX. I have since learned that this type of foreclosure is referred to as a " zombie mortgage. '' The situation appears to be an attempt to seize my property, and as a hard-working widow, I am deeply concerned about the validity of their claims. 

It is worth noting that I have diligently maintained payments on the first mortgage, and the mortgage holder has not received any communication from ZBS Law, LLP, regarding the alleged second mortgage. This lack of communication further raises doubts about the legitimacy of their claims. 

I respectfully request that your agency thoroughly investigates this matter to ascertain the validity of the foreclosure and determine whether ZBS Law, LLP, has engaged in unlawful practices. I am hopeful that your intervention will help rectify this situation and protect my rights as a homeowner.
Consumer complaint received 2024-01-29
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. (IN)

This marks my 4th submission of a complaint, as I am diligently following up on my previous communication dated XX/XX/2024. I am disputing the remaining items in my credit file stemming from the crime of identity theft. I kindly request the expeditious removal of these items from my credit file. For your reference, I have attached my new FTC report with # XXXX : -- -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$620.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original creditor XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX {$21000.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$620.00}. As stipulated by FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items in the consumer 's file identified as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Last year in the year of XXXX in XXXX I noticed that my credit card was not being reported. Capital one verified that it wasnt being reported and I spoke with someone from XXXX XXXX who then went and removed the credit card off my credit report all together. Im making on time payments and it is not being reported because its not on my credit anymore. I have two credit cards with the company. It would be the account opened in XXXX.