davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-03
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Schachter Portnoy, L.L.C. (NJ)

American anesthesiology of nj pc illegally provided my persona medical information to an entity claiming to be an attorney office, Schachter Portnoy, llc. When I got on the Phone to discuss a payment arrangement I found out that they 'd used a communication tactic and that I was actually speaking with a debt collector. The gentleman on the phone identified himself. I feel.violated by this and hence this complaint. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not.give permission to any of my current or prior medical providers to release any information to a third party. I am.aware that Hipaa does allow the release of limited information about me but anything more is only to be revealed with patients authorization.
Consumer complaint received 2015-10-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

I had made online purchases via my bank account. When XX/XX/2015 came I check my account to see what cleared and what did not, everything was shown as payed nothing was shown as pending and there was {$1.00} left in the account. On XX/XX/2015 the account once again was looked at there was now {$70.00} in the account with all the same transactions showing as paid its was there was another purchase made that left the account at {$34.00} but on XX/XX/2015 still showing all as paid. Then on XX/XX/2015 my account had to {$34.00} over draft fees and said a previous XXXX purchase of {$68.00} was not paid even though on XX/XX/XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX it never said this was still pending it showed as paid I even counted the money up myself and it showed everything as paid. When I call chase on XXXX XXXX they tried to say the merchant never took the money out the account until the XX/XX/2015 but this was not reflected in my account that day or any day befor that. They refused to reverse and take responsibility for the failure to show items as pending. I as to speak with a supervisor or someone over the supervisor I was speaking to and told that some one would call in XXXX hr. As of XX/XX/2015 no one had called and I called chase at XXXX where the female representative did not give her name but sad chase does not have to inform me of transactions that are pending still refusing to correct there mistake
Consumer complaint received 2022-02-14
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Medical Credit Corporation, Inc. (MI)

While I was attending XXXX University, I failed to drop a course I was taking at the moment. And I dont believe this was the actual balance when I was first contacted. I was under XXXX dollars. And during the time they were asking for the money I didnt have a job during Covid-19 from XXXX through XXXX. So I was unable to afford to pay for the balance. And the Unemployment wasnt going to be enough to provide for me and pay for the debt balance. Now I am currently working and going to school. So I just havent had time to go through my mail and read and contact anyone yet.
Consumer complaint received 2021-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (AZ)

THE MONEY SOURCE MORTGAGE The money source.com ( XXXX ) XXXX XXXX Loan # XXXX A double payment made on my loan on XX/XX/XXXX through de TMS App and Automated phonesystem. I logged in into the App selected the info that is needed to make a payment. When I submitted the payment it didn't confirm me that a payment was made. A message box appeared and said it could not fetch my loan information. 

That made me think that it was not processed. I tried to login again and the same message came back not even letting me in as it did before. 

What I did was to dial the automated phone option and make a payment in that way. The payment did go throughand got a confirmation for the amount of {$740.00}. What I think is that it should have an option to let you know that a previous payment its pending o waiting to be processed. The app does that. Why not the automated phone system? 

They asked me to send a XXXX XXXX statement where it reflects the withdrawals. The latest PDF statement on my XXXX XXXX account reflects up to the month of XXXX. The bank does not provide direct emails to any company with that information. That was what TMS requested. 

All I wanted to do is to cancel the last payment that is reflecting today in my account as pending. I did not reflect on my account history until XX/XX/XXXX. All I want is to leave the one charge for the month of XXXX that it did go through on the TMS app. I don't understand is why do I have to do all of this loop jumping when is so simple to cancel, stop, reverse a payment that the system glitch at the moment. This can't wait and need to be resolved immediately. The funds are not available and overdraft fees are being charged. I did call on time and they denied me to reverse that second payment not authorized that was a mistake or glitch of the App portal. Still if submitt the info that they need I still have to wait 2 weeks for my money back!!! In the copy that the bank gave me you can see the double charge and one pending and still did not put a stop, cancel or reverse of funds. 
Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2016-09-29
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (PA)

Hi I am filing a complaint against XXXX XXXX for fraud and abuse of my credit card. This summer I had at least XXXX or more stolen from my credit cards and my bank account. They were only giving me XXXX in credit in which more then XXXX was stolen for in applications on there site. I was only able to get some of that back but there is more then XXXX that needs to be sent back to my account. My bank is over drawn due to this and I am on XXXX and they need to send all my money back. It has been months of complaining about this and they will not send my money back. I did not give theme the right to over XXXX to steal from my bank. It is an online account for games and I would never authorize them to take my money and they refuse to contact me any more. I have complained to my bank and to them and over XXXX total is missing due to fraud and abuse. I went on vacation and it started as XXXX to XXXX purchase and as of months later none of it was returned so I am contacting you for help to get the money back that was stolen from my bank account.
Consumer complaint received 2022-09-06
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: Experian Information Solutions Inc. (IN)

Hello I've been having issues with all three credit bureau 's and the practices that they are using to verify account and allowing someone to still make inquires without contacting me due to me putting a fraud alert of my credit account. I keep sending letters about addresses, as well as collection accounts and names on my consumer report that are not mines. I've called and requested that they remove an address that is not mine XXXX XXXX XXXX XXXX XXXX Indiana XXXX. Also the credit bureau 's are required to report correct information on all three bureau 's and they are not. I have attached letters as well as my credit report with this information.
Consumer complaint received 2021-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IA)

Unemployment claims were deposited into my account and, my card was deactivated and the funds that were deposited are not in my account once they made my card active ,3 deposits or more are not accounted for, I have not received any yet customer service was notified by unknown in XXXX and IA, also I made a complaint. My funds were over XXXX  dollars and my bills are behind, bills are overdue and some in debt collections. Please resolve this issue so I can return to work eventually. Thank you XXXX XXXX
Consumer complaint received 2017-04-30
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. (MD)

Last year, I was informed that I attempted to apply for an  XXXX  credit card, which is totally false. While I do have an  XXXX  online account, I have never applied or attempted to apply for a credit card either directly or indirectly with  XXXX . All of my  XXXX  purchases are routinely paid using my debit cards, which is why I suspect my identify was used fraudulently to apply for a credit card with  XXXX    XXXX   USA. I learned of the attempt and subsequently decline of the application after I received a letter of explanation from credit bureaus. I have since disputed this inaccurate information with the credit bureaus, but was denied relief.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Hello I've been having issues with all three credit bureau 's and the practices that they are using to verify account and allowing someone to still make inquires without contacting me due to me putting a fraud alert of my credit account. I keep sending letters about addresses, as well as collection accounts and names on my consumer report that are not mines. I've called and requested that they remove an address that is not mine XXXX XXXX XXXX XXXX XXXX Indiana XXXX. Also the credit bureau 's are required to report correct information on all three bureau 's and they are not. I have attached letters as well as my credit report with this information.
Consumer complaint received 2022-02-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

I had a checking account with Wells Fargo since XXXX. They closed my account due to lack of activities ( most likely in XXXX ), which I did not know then. I contacted Wells Fargo because I still had around {$1500.00} in my checking account left, and was told that they sent the remaining balance to Georgia Department of Revenue as unclaimed property. 

However, the unclaimed property could not be located by Georgia Department of Revenue in the system, with my name and Social Security number. I contacted Wells Fargo again, they said they are unable to provide information about when and how much they have sent as proof of such an action, all they know is that they should have sent it to Georgia Department of Revenue. 

To summarize, Wells Fargo claims that the remaining balance was sent as unclaimed property, but Georgia Department of Revenue has no record whatsoever, and Wells Fargo can not provide any proof or information about the action they took.
Consumer complaint received 2022-02-14
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX
Consumer complaint received 2020-10-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LTD Financial Services, L.P. (CA)

I received a call from agent XXXX XXXX at XXXX XXXX  on the XXXX of XX/XX/XXXX. He stated that he works for LTD Financial Services Limited Partnership and the call was to collect a debt of {$510.00}. I allowed XXXX XXXX to speak until he was finished and I stated : " I'm not working and can not make any payments at this time ''. XXXX XXXX goes on to say " well your last payment was in XXXX of XXXX, and that's before Covid 19 so  you're not being affected by that ''. I explained that " I didn't say or ask that '' and he said " well its the true and I'll have to make note of it ''. My personal thoughts are never said and I believe the agent had no right to state his. Covid 19 affected my search for employment just as it has done thousands. I'm not using excuses but stating facts and before then he has no idea why I was out of work. I would like for this company to stop contacting and not contact my family and friends. 

Thank you and stay safe XXXX XXXX
Consumer complaint received 2017-04-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc. (SC)

Called from an  XXXX  GA number but company is physically located in  XXXX   XXXX  Ga. It is my belief that this company is utilizing phone spoofing software to alter the area code of the number calling to hide their true identity.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$9000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am in the process of getting approved for a remodification for my home and I have setup an automatic payment for my home dated for XX/XX/2017. However, today, XX/XX/2017, I had to manually send the payment of {$4400.00} to the Loan Servicer SPS Financial because they still had not debited my account for the agreed amount.
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (NM)

XXXX XXXX car loan company has reported my payment history incorrectly for over 2 years now. I have never missed a payment, my understanding was to have a one-time payment flipped over to the back of the loan that would have helped me from falling behind during COVID. That is not the case they have reported to all three credit bureaus saying that my payment history is XXXX payments missed with credit report reflecting 30 60 90 120 plus days late they have completely destroyed my credit due to this false reporting of my payment history. They have not come to a resolution over these facts and continue to report the loan incorrectly also was in still not even a payment behind and with no contact no forewarning came and repossessed the vehicle where we had to come out of pocket almost {$900.00} to get it out that very same day. I have all the documentation showing this. I need this erased completely off of my credit report to be able to even continue with my life and any sort of positive fashion whatsoever.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

My pleasure. My name is XXXX XXXX yesterday. I 'm. See into my credit report. My name is error. In my name to. my social is XXXX in my is XXXX incorrect.. Please help me XXXX blessing
Consumer complaint received 2015-08-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alpine Credit, Inc (CO)

I decided not to argue about the debt as it was {$110.00}. The issue is she wrote down all XXXX digits of the credit card which is a violation of the XXXX rules and regulations and I am filing a complaint with them. She also wrote down the security code. It is a violation of Federal Law to write down the XXXX digit security code. She refused to provide me with a copy of that form. She admitted that they do this every day. 

This business needs to have a surprise visit so they can not hide the violation. Business name and address : Alpine Credit Inc. 
XXXX CO XXXXXXXX advise how this illegal practice can be stopped and the business fined?
Consumer complaint received 2017-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Last year, I was informed that I attempted to apply for an  XXXX  credit card, which is totally false. While I do have an  XXXX  online account, I have never applied or attempted to apply for a credit card either directly or indirectly with  XXXX . All of my  XXXX  purchases are routinely paid using my debit cards, which is why I suspect my identify was used fraudulently to apply for a credit card with  XXXX   XXXX  USA. I learned of the attempt and subsequently decline of the application after I received a letter of explanation from credit bureaus. I have since disputed this inaccurate information with the credit bureaus, but was denied relief.
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I have not been able to get an in-house loan mod from Ocwen Fl. I have been working with Keep Your Home California and they have approved me XXXX already for their mortgage reinstatement program as well as assisting me for XXXX months with my mortgage payments and property taxes and HOA dues in arrears. All of this financial assistance is conditional upon Ocwen working with KYHC and granting a new loan mod that would finally make my fluctuating mortgage payments much more affordable and predictable. Ocwen has XXXX refused to cooperate with KYHC and had me go through their Request for Modification Assistance program XXXX even though they had apparently previously decided that my loan would never become eligible for an in-house loan mod. This goes directly against their signed {$2.00} billion agreement stating that they would no longer engage in a dual track system. 
Furthermore, Ocwen is claiming that since my loan was bundled into an MBS package, that it therefore precluded me from ever requesting an in-house loan mod. However at the time of the signing of my then my new loan agreement in XX/XX/2005, it was never disclosed to me during the loan disclosure session that I was now disqualified from ever asking for an in-house loan mod. Therefore, my contention that their repeated statement that they were unable to grant me an in-house loan mod because the amorphous and unaccountable investors do not agree to a new loan mod because the MBS bundling protects them from these types of requests is illegal and a direct violation of the Homeowner 's Bill of Rights since I was informed at the time of my loan doc signing that there was no reason to ever be ineligible for an in-house loan mod. My loan is very unreasonable and predatory at 7 % above LIBOR. I was never informed on what a LIBOR rate was and I trustingly signed the loan docs without deeper investigation. My ARM has fluctuated by up to $ XXXX+ more/month. I am on XXXX and all I am asking for is an affordable loan mod in cooperation with Keep Your Home California ( HAARP ) program.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-10-08
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One has reported both of my cards as 30 days late. This information is not correct, the minimum payments were made that should have kept the account from being reported 30 days late. I believe it was in XXXX when I spoke with someone with capital one that advised that I could make the payment of {$25.00} on an arrangement that would not cause any late fees or derogatory marks on my credit. I have worked hard to maintain good payment history with Capital One.