davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (OH)

XX/XX/2019 Chase denied credit based on a number of accounts opened in a 2 year period reference # XXXX and not my credit worthiness. The reason the other accounts were opened is due to companies competing with lower rates.
Consumer complaint received 2017-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (OR)

XXXX and American Medical Collection Agency has sent me multiple invoices/ bills that are not mine, are for services provided to a patient with a different name, who does not reside at my address or receive mail at my address, nor do I know the whereabouts or have contact information of said person. I 've not agreed to any services provided by XXXX and therefore am not responsible in any way for bills of said services. The bills have been sent to collection agencies multiple times. I 've contacted both the original creditor, XXXX XXXX as well as the collection agency American Medical Collection Agency to resolve the issue and request that I not be billed for services not provided to me and that I 've not agreed to pay. 

The bills continue to be billed in my name on a regular basis and continue to be reported to collections in my name. I continue to dispute the bills yet there is always another bill to dispute. This never ending cycle is frustrating as well as costs me time and money to continue to dispute on a regular basis. 

I ask that my information be removed from said patient records or files for billing purposes as I am not in any way liable for said bills. 

A written notice was sent to American Medical Collection Agency, pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec XXXX ( b ) on XXXX XXXX, XXXX, XXXX XXXX, XXXX and another today, XXXX XXXX, XXXX to dispute said collections and ask they correct their records. I continue to receive the collection bills, with nothing changed. 

I 've attempted multipule times to contact XXXX XXXX directly to resolve the issue via phone at the XXXX Customer Service phone number listed on their bills. I 've not been successful in reaching a person to correct this issue, I get an automated system with no human who can or will help to correct. 

I 've mailed letters to each address listed on the XXXX XXXX bill, explaining that this is not my bill and that the patient receiving said services does not reside at my address, does not receive mail at my address and that I do not have information on the whereabouts or contact method of said person. 

I ask that I stop being billed by XXXX XXXX and that XXXX XXXX XXXX attempting to collect via a collection agency, unless they have proof that I am in anyway responsible for such charges and forward such information to me, which of neither has been done.
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

I have a netspend prepaid card account that had been active for several years but over the last 6 months or so I have kept it dormant with a token balance remaining. Having forgotten about the account altogether, I was surprised to get an alert on XXXX XXXX XXXX about not only a purchase that was made using the account but that it gave me a negative balance on the account. I contacted the appropriate disputes department immediately, sent in the appropriate documentation and formal dispute letter while still on the phone with them and received confirmation that the documentation was received. They assure me they will " investigate '' etc. 

I called them today XXXX/XXXX/XXXX to followup on the issue as no provisional credit had been issued as promised within the XXXX business day designation ( XXXX and a half weeks have gone by! ). After being juggled around their call center for about XXXX minutes I finally just asked flat out to the supervising representative ( verbatim ) " So, is it NetSpend 's official stance on this issue to completely disregard Federal law as outlined in the XXXX act and consumer protections held therin? '' to which she replied almost triumphantly, and I 'm quoting here " Yes. '' and then continued to tell me the credit would be issued after the investigation was complete and there was no one she could put me in contact with regarding the issue. 

Finally, I decided to contact the merchant who processed the fraudulent transaction that instigated all this madness. They turned out to be a payment processing company who apologized immediately, confirmed that this was a fraudulent transaction among a string of them related to a specific client of theirs, offered to provide any documentation required to prove as much, and lastly ( and this is the funniest part ) that they have received no contact from Netspend regarding the dispute and in fact had reached out to them regarding a whole separate set of issues only to be stonewalled like the rest of us. What a joke! 

Alright, thats it. I have extensive documentation supporting all these claims, time stamped, dated etc. Please advise as to what would be most beneficial. 

Thank you for your time and attention to this matter. 

P.S. I imagine the issue will be resolved by the time you have a chance to act on this, and thats fine, I 'm not really interested in the monetary value at risk here, I am purely seeking moral restitution. 

Good luck!
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 it also states a consumer reporting agency can not furnish a account with my written instructions. 

XXXX  XXXX XXXX-Account # XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.-Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

Citibank lowered credit limit 1 day after a payment posted that was over the minimum. After having the account for 12 years. They have stated it was inquiries in 12 years I have bought XXXX cars XXXX house moved a few times have other cards and had new accounts. The credit score has stayed in the same range. I have attempted to contact Citibank and have gotten no response. When asking for management they give me a Po Box . Citibank was waiting like a lion to prance on its prey as soon as I made a payment. I used to tool on the site that shows how to reduce the debt on the card. Also when it bills now I will be over the credit limit due to the reduction after I have made the payment so they are trying with intent to lower the credit score more.
Consumer complaint received 2020-11-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

I sent credit dispute letters to EQUIFAX on XX/XX/XXXX certified. To this day I have not got a response. By Law the credit Bureaus are suppose to respond 30-45 days or items disputed in letter need to be removed because they can not verify them. 

" Thank you for submitting your complaint on XX/XX/2020 through the CFPB Complaint Portal. Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. Please provide us with the following information : Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute. Please provide the requested information to Equifax Office of Consumer & Agency Assistance, XXXX. XXXX XXXX XXXX, GA XXXX. If you have any questions or require additional information, you may contact by calling a Customer Service Representative at XXXX. '' In the letter I sent the INCLUDED ALL account names, numbers, and nature of disputes/concerns. I have a copy of the letter that was sent which included EVERYTHING. By Law the items need to be deleted because it has been more than 45 days. 

All items and accounts listed in the letter sent on XX/XX/2020 need to be deleted immediately.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX  No. XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (SC)

I, XXXX XXXX XXXX, am submitting this on my own behalf. 

This company does not have my permission to contact me or use my information. Additionally, this company has been notified via mail that the debt they are attempting to collect do not belong to me. This company has enough complaints that I assume that they are habitual rights violators. 

Starting with 15 USC 1692, this company has sent repeated notices stating they are collecting a debt : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and I demand that this company remove this information from my credit report, delete any of my personal data and only communicate with me to confirm that this has been removed from my reports. I do not owe this company anything and this debt is UNVALIDATED.

This company does not have permission to communicate with anyone using my personal information, including the credit reporting agencies. Delete this information from my reports. I have been a victim of identity theft in the past and this company using my information is no different.
Consumer complaint received 2017-07-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Filaport Acquisitions (FL)

The Yorkshire Acquisition Group ( XXXX ) called my in laws looking for me and told them I was in big trouble and would be going to court, the same person called me anonymously and left me a voicemail threatening legal action. When I called, they told me I owed XXXX XXXX {$9800.00} and if I did n't pay today, they 'd be issuing a summons to appear. I 've never had an account with XXXX XXXX, none of my debt has ever been with XXXX XXXX, and I currently am paying on all accounts that I owe. This kind of shameful practice is disruptive & unfair. People should work for what they want, not scam hard working people.
Consumer complaint received 2023-01-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/2022 I applied for an extension of credit {$40000.00} I was denied. This is a direct violation of my consumer rights 15 usc 1602 ( f ) tell me credit is my right. I can not be denied a right. 15 usc 1602 ( p ) makes it clear that they committed fraud and used my credit card without authority and I received no benefits. Federal Reserved section 16 part 2 says my application was the collateral and it says that the collateral is worth dollar for dollar for the value of the federal note that was taken from the federal reserve bank. So, since those Federal reserve notes was exchanged they wasn't even changed so I would like to use the credits that arises from that transaction. I would like to apply it to the principal account. I would like you to obtain the greatest amount of redress possible. This behavior is punishable under Federal Law This is a violation of both 15 USC 1611 AND 15 usc 1691. Also, the Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants. I have been discriminated against ; on the basis of race and defamation of character. I contacted the company and they stated for me to do what I needed to do that they couldn't extended me credit.
Consumer complaint received 2021-04-01
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: LEXISNEXIS (NC)

I have two issues to deal with I hope you can help me with. The first one is with XXXX XXXX XXXX. I have work for this company for tens and do not understand why I owe them any money or why they would put it on my credit report.I have try disputing this over and over again with the credit bureaus and have an no luck. This has been going on since XX/XX/2020. I do not understand this one why it taking so long and two why it even on my report.

My second one is with lexisnexis. I have NEVER in my life file Bankruptcy. It is showing on my credit report as a Chapter XXXX that was dismissed. I cant stress enough that I have Never filed bankruptcy in my life. I want this remove. 

I have attached documents of the disputes and screen shot of my credit report
Consumer complaint received 2017-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One is showing on all three Credit Reporting Agencies I owe them {$300.00}. I owe Capital One Nothing. 

The credit card was paid in full on XX/XX/XXXX 2017. Capital One has been charging Bogus and Fraudulent charges every month to come to the the amount of {$300.00}. My account with them should show paid in full with no balance owed. 

Capital One is messing up my credit and bringing my credit score down. I want you to get them to take this off my Credit Report at all Credit Reporting Agencies. 

Waiting for your reply. 

XXXX XXXX
Consumer complaint received 2020-05-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XXXX I purchased a mirror on XXXX from a seller in XXXX. I used PayPal. The total was {$430.00}. 5 minutes after I made payment the XXXX seller contacted me saying his PayPal acct was hacked and my payment didnt get to him. I immediately opened a case with PayPal per the sellers recommendation. He instructed me to submit the case as payment unauthorized. PayPal immediately closed my claim saying it wasnt unauthorized. I informed seller who says because he didnt receive payment that he wont ship mirror. PayPal will not allow me to reopen the claim as item not received nor allow me to escalate. So Im out {$430.00}. Their dispute process is purposefully deceptive. They advised me twice to click a non-existent link on bottom of page in resolution center for the case. Their chat bot will now allow me to talk to an agent, and their resolution center says its closed during a time they publish they are open.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: D2 Management LLC (CA)

I paid my account settlement in full and the collection company is not willing to delete my account from the bureaus. Other companies either delete after paying in full or have claimed the same that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....
Consumer complaint received 2020-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I had filed complaints with Huntington National Bank Executive Office in XXXX and XXXX. 

The complaint was about Bill Pay sending out checks that are mistaken for junk mail because the check are post card size check that are self enclosed ( not business class envelope ). 

Over the years ( 5 years ), I have heard about similar problems from local branches but Executive Office refuses to admit it. I received a letter from Executive Office that the checks that are mass mailed are business class but my checks are to limited/specific customers which are not business class. 

The Executive Office made it clear they are not going to change this practice. 

When these small Bill Pay checks gets lost, it causes lot of headaches ( i.e. late payment fees ) for my small business.

There needs to be standard/mandatory practice to mail business class ( self enclosed or envelope ) Bill Pay checks to avoid being thrown away or slip away when received along with junk mail received by other businesses. 

Huntington National bank XXXX XXXX XXXX XXXX XXXX, OH XXXX United States, XXXX, oh XXXX Executive Office Phone number
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

The following debit card transactions of withdrawn money were made without my knowledge : 1. On XX/XX/21, {$1000.00} was withdrawn from my account at XXXX XXXX XXXX, XXXX. 
2. On XX/XX/21, {$250.00} was withdrawn from my account at XXXX XXXX XXXX, XXXX. 
3. On XX/XX/21, {$1000.00} was withdrawn from my account at XXXX XXXX XXXX, XXXX. 
4. On XX/XX/21, {$250.00} was withdrawn from my account at XXXX XXXX XXXX, XXXX. 

I reported these transactions to TD Bank, at XXXX XXXX XXXX, XXXX. TD bank wrote a statement in-house.TD bank did not credit back my account.
Consumer complaint received 2021-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (DC)

Suntrust bought my mortgage from another lender earlier this year. I set up online, automatic mortgage payments, but Suntrust failed to process my last payment and notified me via postal mail that my payment was late. This mail arrived after they charged me a late fee. I submitted a complaint with Suntrust and am submitting a complaint here. 

Prior to this incident, I had called Suntrust several times to resolve problems with their poorly designed online payment system, which had previously prevented me from submitting automatic payments. During those prior months, I paid my mortgage via their phone system. Further, Suntrust claims they did not have my email on record despite having submitted this information to them. Suntrust also claims they did not process an automatic payment because a checking account number had additional numbers appended to it. This doesn't make any sense. Suntrust has successfully processed payments from this same checking account before. Finally, Suntrust indicated that their internal complaint process does not result in any responses to customers.
Consumer complaint received 2024-03-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC. (TX)

Subject : Request for Account Review and Refund Due to XXXX XXXX XXXX Shutdown Dear CFPB Team, I am reaching out to you as a customer who has been impacted by the recent shutdown of XXXX XXXX XXXX and its subsequent effect on my treatment plan. I am in the middle of my treatment plan, and requesting for a refund which is financed treatment through XXXX XXXX XXXX via Healthcare Finance Direct LLC services.

Healthcare Finance Direct LLC services keeps calling me to make payments for the services and treatments that were not provided by XXXX XXXX XXXX and was threatened that failing to make payment will result in debt collection agency and will impact my credit score. 

My name is XXXX XXXX, and my account information is as follows : Name : XXXX XXXX XXXX ID : XXXX Phone Number : XXXX It has come to my attention that essential services promised as part of my treatment plan with XXXX XXXX XXXX, including customer support, access to the XXXX XXXX XXXX app, aligner replacements, lifelong touch-ups, and the Lifetime Smile Guarantee, are no longer available due to the company 's closure. 

Given this sudden cessation of services, it is evident that the terms of our agreement have been significantly altered, as the services for which I am making payments are no longer being provided. This raises serious concerns regarding the continuation of payments under these changed circumstances. 

Therefore, I am formally requesting an immediate review of my account and the suspension of future payments until a fair resolution is reached. I have been charged for services that were not provided or met, and I request that my account be placed on hold until a customer support plan is approved by the creditor and the attorney general. 

It is imperative to reassess the financial obligations considering XXXX XXXX XXXX 's current inability to fulfill its contractual promises. 

This situation not only affects me personally but also impacts numerous other customers facing similar circumstances. Thus, I believe a collective review of this situation is necessary to address the concerns of all affected customers in a fair and equitable manner. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX